Auto Insurance Claims – Frequently Asked Questions

Filing auto insurance claims is no child’s play. However, it’s better than paying the entire maintenance cost from your pocket. One of the topmost considerations of car insurance is the coverage provided by the company at their quoted price.

To know this, you should take into the account the following issues:

Your deductible amount during an accident
Whether the company will cover a crack in the windshield
Whether the company is offering deductible amount specifically for glass or whether the amount is universal, irrespective of whatever happens to the vehicle
Whether the indemnity policy covers just you as the driver or whether there is provision for other drivers
The time taken by the insurance company to respond to your claim
Whether the policy covers rental car
The company’s approach towards dealing with liability issues during personal injury and property damage

These are some crucial questions that have to be answered before you sign the indemnity deal, to avoid hassles at the time of insurance claims. Here are a few other frequently asked questions by car drivers.

What If I Am Charged With Drunken Driving?

If you are charged under DUI (Drinking Under alcohol Influence), it is time to get professional help concerning your auto insurance claims. If you have been stopped over and convicted of this offence, your insurance company will scrutinize your driving record to decide the rate of your premium.

It’s prudent to keep a clean driving record as far as possible, for you will have to pay a heavy indemnity premium with a tainted record.

My Friend Was Behind The Wheels When My Car Met With An Accident. Who Is Accountable?

As mentioned earlier, you have to make it clear in the beginning whether your policy covers additional drivers. You must possess complete name, address, and contact numbers of your insurance company as well as the third party (in this case, your friend). The claim settler from the company will decide who will be held accountable and then fix the rate of car repairs.

What If Somebody Makes False Auto Insurance Claims During An Accident?

There are many auto insurance companies who support their clients in the fight against fake claims. You should keep yourself updated with your vehicle insurance claim policy.