What Will Happen if You File an Automobile Insurance Claim?
My husband’s car was hit last week by another vehicle, and we had to file a car insurance claim with that person’s automobile insurance company. The company was AllState, and the claim went smoothly. They looked at the car, we took it to the rental agency and got a rental car, and then we dropped our own car off at the repair shop recommended by the insurance company. Everything went well and, a couple days later, we had our car back as good as new (and vacuumed!).
That is how things should go. Whenever you get into a car accident and another driver is at fault, you, the victim, should have an easy time of it, right? All you should have to do is call up their insurance company, and then they take it from there. However, this is not always the case. Sometimes it’s just the problem of the automobile insurance company, and other times whenever the claim involves an injury the claims process can be more complicated.
Whenever you need to get repairs done on your vehicle after an accident, be sure to call the insurance company beforehand. Many companies do not like to be told after the repairs are being done, and if you take the car to the shop without telling the company then you might not get your claims check later on. So, first things first, make sure that the insurance company of the other driver understands that they are liable, and make sure that you get an approval from them on paper, even if you have to fax it.
Optional California Car Insurance Coverage You Might Want To Have?
In addition to the other types of car insurance coverage already listed, your California car insurance company should also offer other types of coverage. These types of coverage are not related to paying for damages or replacing stolen objects, or even for helping with injuries, but instead are mostly focused on making your claims and driving experience better and easier for you. If your California car insurance company does not offer these types of coverage, you might want to think about going with someone else.
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Rental reimbursement coverage.
This is an extremely useful type of coverage that practically every California car insurance company will offer. It provides for you to rent a vehicle while your own is getting repaired or replaced, usually for up to thirty days. The rental will be billed to your California car insurance company, and all you will have to pay is the security deposit, which will be returned to you at the same time as you return the car.
This insurance is a no brainer if you consider the regular costs of renting a car. The amount that you will pay on your California car insurance company policy for a year will still be less than what you would have paid for a rental car for only one day.
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Roadside assistance.
Towing a vehicle costs a lot of money. I had never had a car towed until recently when I bought a new car, and we needed our broken down trade in towed to the dealership. I didn’t think it would cost more than a hundred dollars, but as it turned out it would cost over $300 to tow this vehicle to a location only forty minutes away. This is why rosadside assistance is so useful. If you break down on the side of the road or get into a car accident, then your California car insurance company will cover the costs.
Cheap Pasadena California Auto Insurance Rates
So what do you do when your car gets stolen? Most people panic, but you should figure out what you are going to do before hand. Like the boy scouts say, be prepared, and listening to them you should try to set yourself up for the eventualities that life may present you with, such as fires, hurricanes, and car theft. Okay, one is not like the other, obviously, but it still requires plenty of forethought so that you aren’t caught out and confused when (if) it happens to you at some point. After all, everybody loves to play Grand Theft Auto but we all think that it is something that could never happen to us. Not true.
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Call the cops.
Yeah, this is an obvious one, but when taking it into account remember that haste makes waste. When you call the police after your car has been stolen, you need to do it from the scene of the crime. You need to be prepared to identify your vehicle to the police when they arrive, because speed is necessary in getting back a stolen car. If they don’t have the information they need, then your car could be at the chop shop. Most stolen cars aren’t recovered.
You need to have the license plate number and the VIN number either in your head or on a car in your wallet or purse, somewhere that you will always have on you. You should also keep one copy of your Pasadena CA auto insurance on you and one in your car, and do the same with your registration. The police report can be used by your Pasadena CA auto insurance company.
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Am I insured?
You might not be, as hard as it is to come to terms with. If you have comprehensive coverage, then you will be covered for the actual cash value of your vehicle if it gets stolen. However, if you are still paying off the car, and you don’t have gap insurance, then you could be in some trouble. If you really want to be prepared, make sure that you have rental car coverage and read your policy to see if there are any delays between making the claim and getting to rent the car.
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