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What coverages do I have to buy?
What does "full coverage" mean?
What happens after I file a claim?
Why do I have to pay my deductible when the other party is at fault?
Why did my adjuster deduct for betterment?
What is comparative negligence?
Why is my vehicle a total loss?
How will the insurance company settle my total loss?
How do I file a claim?
All auto insurance claims can be filed by phone. The majority of insurers try to make the process as simple as possible. Most have toll-free numbers you can call 24 hours a day, 7 days a week. If not, you can always file your claim with the agent. Before you call the insurance company or the agent's office, gather the following information:
• name, driver's license number, and birth date of your driver
• names, ages, and addresses of any occupants
• policy number and year, make, and model of your vehicle
• date, time, and location of the accident
• name of the investigating police department, police officer, and case number
• names, addresses, and telephone numbers of the other driver and owner
• insurance company and policy number for the owner
• year, make, and model of the other vehicle
• name, address, and telephone number of the towing company
You should file your claim as soon as you can. The longer you put it off, the more the insurance company will scrutinize your damages.
You do not have to file a claim against your policy if no one is hurt in your vehicle and the other party is at fault. Get the policy number and names and telephone numbers of the other party's insurance company and agent at the scene of the accident. With this information, you can file your claim with the insurance company or the agent. Remember insurance follows the vehicle and you must file your claim against the owner's policy not the driver's.
© 2008 By Higgins Body & Paint, Inc. All rights reserved.
