F.A.Q

Frequently Asked Questions. What To Do in Case of an Accident?

To file a claim follow these steps;
Please file your claim or check status of claim with the insurance carrier found on your Insurance ID card.
· Your name, phone number and policy number
· The date and approximate time that the incident occurred
· The location where the incident occurred
· The description of the other car(s) involved
· The reporting police agency and report number
· Any injuries, witnesses, passengers
The professionals handling your claim may include the following:
· Primary Adjuster, who conducts a thorough investigation of the facts of an accident
· Field adjuster who performs the vehicle appraisal
· Total loss specialist who finalizes the value of your vehicle
· Medical payments/person injury protection adjuster who makes sure bills for such
things as ambulance and emergency room visits are handled properly.

If you do not know whom to contact, simply call the primary adjuster who will either help you or refer you to the best person to address your question or concern.

You can file a claim against the other driver by contacting that persons insurance company. You will need the other drivers full name, policy number, the date the loss occurred, and any other pertinent information. Additionally, you will need to provide the details of the accident and be prepared to answer specific questions about the accident.
Yes, be aware that some police department may not respond to the accident based on the severity, type of accident or location. We recommend filing a police report immediately any time you experience an auto accident, theft, or vandalism to your property.
If you purchased collision coverage, we will pay for damage to your car minus your deductible, regardless of who is at fault. If the other driver was at fault, you insurance carrier will try to recover the cost of the damage from the responsible driver and reimburse you for any deductible charges you may have paid.
Physical damage coverage pays for damage to your vehicle and generally refers to Comprehensive and Collision.

What does Comprehensive coverage cover?

Comprehensive coverage pays for loss or damage to your vehicle caused by fire, theft, vandalism, collision with an animal, and more.

What does Collision cover?

Collision coverage pays for accident damage to your vehicle caused by upset or collision with another vehicle or stationary object. Each Collision claim is subject to a deductible. (the amount you will pay out of pocket). You should choose a deductible that meets your financial needs; the higher the deductible, the lower the cost for carrying this coverage.

No matter who’s at fault, you may still have to pay a deductible for certain coverages. The insurance carrier will try to recover from the responsible party or the insurer of the responsible party, and the deductible may be returned to you if the insurance carrier succeeds at recovering the deductible.
If you receive a legal summons and/or complaint, alert your insurance carrier immediately, and forward a copy of the summons and/or complaint, along with any other letters and documents you receive to your handling insurance adjuster. Please have details of how the summons and/or complaint was received, where was the summons sent, how was the summons received, who received the summons, when the summons was receive.

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