Automobile insurance accidents happen. If you are involved in an automobile accident, and you have to file a claim with your automobile insurance company, there are several ways to do so . You can file a claim directly with your insurance company by phone or online, or you can call your insurance agent, who will take down the details of your claim and report the same to the insurance company on your behalf.
There are mainly two types of claims: Liability claims that pay for damage to a third party for which you are legally responsible and Physical Damage claims that cover damages to your vehicle.
Liability claims often referred to as a third party claim, pay for Bodily Injury claims and/or Property Damage you cause to another person’s vehicle or property. You must be found legally liable for this accident before your insurance company will make restitution to the injured party. This section of your’ West Hollywood personal auto insurance policy is paid on a “first dollar” basis, which means that you do not pay any money out of your pocket. This is on the assumption that your limits of liability are high enough to cover all damages incurred. Your insurance company will pay only up to the liability limits you have. Once that limit is exhausted, you will be responsible for damages over and above that limit.
If you are involved in a claim that you may be responsible for, let your insurance company handle such car accident settlement with the third party . Do not involve yourself with their claim for damages. Your insurance company reserves the right to settle the claim as they see fit to do.
Physical damage claims are claims you make against your insurance company for damages to your vehicle and can be covered with a Comprehensive or Collision coverage. There is generally a deductible that applies to this section of the coverage, which is the amount you will pay out of your pocket before the insurance company steps in to settle your claim.
When you file a claim, your insurance agent or company will ask you for the date of the accident and the time and place where the accident occurred. They will also want to have as much information as possible related to the accident. This will include the information of any third party involved. If a police report was filed at the time of the accident be prepared to provide the information made available by the officer at the scene.
A claims adjuster will be assigned to assist you, who will advise you regarding your policy limits and any deductibles that will be applied to your vehicle damage.They will also suggest such additional coverage that may be available to you, such as rental reimbursement coverage.
Most insurance companies have contracts with auto repair services they can refer you to that can expedite your repairs. You are not bound to use the collision repair service you are referred to but it is in your best interest to do so. Your damage will indeed be repaired to your satisfaction.
Visit Makar Insurance Agency at 1130 La Brea Ave, West Hollywood, CA 90038, to get started on tailored car insurance coverage. Our team would like to help you with your insurance needs.