Car Insurance Claims Coverage

Dec 4, 2021 | Personal Insurance

Car Insurance Claims Coverage

Having a car isn’t sufficient. You need to have protection and car insurance claims advice for both your vehicle and the people in it— including you. Try thinking of the expenses that may happen if something unfortunate happens. You are going to spend more than the medical bills, but you may have to spend a little more on car replacements. 

The good thing is that in the insurance industry, it takes care of everything you seem valuable in life. There is home insurance to protect your home, and auto insurance to protect your car. Help is all over, and preparing yourself in a financial aspect is nothing. Compared to spending thousands of dollars on bills and repairs and/or replacements, this is a small price to pay.

Auto Insurance

Having car insurance is vital in a society that is full of people capable of driving. Car insurance is more than just protecting you from any liability that you may incur in the future. It also covers the damage in case an accident happens. A good insurance agent or agency would be able to help with car insurance claims advice.

The policy for auto insurance varies depending on the insurance company. If you purchased your car insurance online, it wouldn’t be a surprise that it may not have the proper coverage that you actually need. It is still best to consult an expert. This is to make sure that you are getting the best out of your budget and everything important to you is part of the coverage.

Why Get Auto Insurance?

The biggest benefit of getting car insurance would be the protection of your asset. But what exactly does it protect?

Yourself

In the event that you get in a car accident, having proper car insurance is additional help. Added how? On top of the legal requirements of your car, you can use the coverage of your car insurance too. Especially that there are states that require legal requirements when it comes to these events.

Wallet

Having the proper car insurance coverage would help you with the costs of repairs in the future. There are certain circumstances that your insurance can cover the cost of fixing your car, not only during accidents. Some insurance companies offer repairs or replacements for your car in the event of theft or damage other than a collision. If the time happens that you are the one that caused an accident, your car insurance can cover that also. Aside from the medical expenses and the repair costs, you may have to shoulder their legal fees and loss of income. The loss of income is when a person couldn’t go to work because of the accident caused by you. The liability coverage from your policy can help you with this instead of shelling out from your own pocket.

Passengers

If you receive injuries during an accident, and you have passengers with you, you and your passengers have nothing to worry about. Your auto insurance coverage will take care of the bills for you and your passengers. This isn’t only for your bills, it can cover the hospital visits and surgery too!

Aside from all the protection that car insurance can offer, there are states that require car owners to have car insurance. The coverage you get may vary from state to state, it is best to check your state’s requirements regarding these. 

Your state isn’t the only one that might require you to have insurance. In case that you want to finance or lease your car, the lender may look for insurance coverage for the vehicle. 

Shopping For Car Insurance

There are many insurance companies that offer car insurance. You can shop around and look for what offer best fits your budget and could give you the coverage that you need. 

While shopping, keep in mind that you may need to consider the type of car you are driving and its mileage. Since there are different requirements per state, you may want to check on that too for the state you live in. Review your driving history and if possible keep a good record, insurance companies give this sometimes with lower premiums. Also, consider who will mostly drive the car and if you have gaps in car insurance coverage. Having a teen who will drive a car is a different story.

You may also think of your own coverage that you need or opt to talk to an insurance agent regarding this. Not only does your insurance coverage will affect your premium, but it will also determine what is protected and up to what extent. 

Car Insurance Claims Advice

Making an auto insurance claim means getting in touch with your insurance company. You will have to go through the process of reimbursement and coverage.

There are many reasons as to why you would need a car insurance claim. Whatever that reason is, it may be troubling you and put your mind in a state of chaos. Filing auto insurance claims may be confusing at first, but knowing the right questions to ask may help you be ready for it.

It is still best to consult with your insurance agent during these times. One thing that you may ask your agent is up to what scope does your auto insurance cover?

What would qualify you for a car insurance claim?

  • Imagine you’re on a vacation at a place with a swimming pool. You’re with your family and suddenly, one of your teenage cousins accidentally drove the vehicle into the pool. The damages and injuries you get are part of your insurance policy.
  • Your garage is adorned with different things. There may be tools up the wall, or on the shelves. In the event that one of these falls down and damages your car, you can file an insurance claim for this.
  • Pets are cute. They can be playful and scratch your car, but would you get mad at them? You wouldn’t worry about it because your auto insurance can cover the expenses for a whole-body makeover if this happens. No need to get mad at your precious fur babies.
  • Speaking of pets, some animals may take shelter in your vehicles during rainy seasons or winter. Some of these animals may be stray and dirty. It would cost so much to have your car cleaned in case this happens. But no need to fret because your car can be clean as new with the help of your car insurance policies.
  • Lastly, if someone from your family accidentally drove over something, you may need to have your car repaired. You may also file an insurance claim for this.

These are just a few of the many situations that your auto insurance can cover. But remember that these claims are still subject to policy terms and deductibles. Again, as we always say, speaking to your insurance agent is a must for car insurance claims advice.

Car Insurance Coverage

You could browse the Internet and find tons of information about auto insurance and its coverage. Summing it all up, car insurance basically is a protection for you and your money if something unfortunate happens. It is considered as an agreement between you and the insurance company giving you protection from any potential financial loss. 

The coverage for your auto insurance is not only limited to properties but is also extended to medical and physical damage expenses. The coverage may vary in every state, but there are six basic types of coverage in car insurance. Some of these are also covered in our RV insurance article.

  1. Uninsured and underinsured motorist coverage. This would be helpful if someone who does not have insurance or their insurance limit does not meet your needs. This is required in some states, but optional in others.
  2. Comprehensive coverage. Anything can happen to your car, not only accidents. In case your car is damaged because of natural disasters or theft, this will cover the repairs and replacements needed.
  3. Collision coverage. This revolves around the accident situation that one may get into. Damages incurred during an accident will be covered by this.
  4. Property damage liability. If you are at fault, under liability coverage, this will cover any property (not yours) that you damage.
  5. Personal injury protection. This is only available in some states, but this has a wide range of coverage. Not only will it cover physical injuries, but also everything that affects it such as child care expenses and lost income.
  6. Bodily injury liability. This is the same case as the property damage liability. The difference is that this one will cover the other person’s injury that you caused.

Each of these types of coverage is separately priced. 

You will have to pay the agreed premium to the insurance company, and they will pay your losses. This will still all depend on your insurance policy, which is why it is always advised to have an insurance expert look through it. 

We are here for you

Many people are still confused as to what their policy covers. Having a regular insurance review wouldn’t hurt and could save you lots in the future. We, at Advantage Insurance Solutions, are happy to help you answer your questions and guide you in your insurance journey. A journey in protecting you and the people you love. Feel free to reach out to us and get all the help that you need!