subject: Filing An Auto Insurance Claim [print this page] There really arent many things in this world that are as frustrating as getting into a car accident. Most times when your car is involved in an accident, you will have to go through the claims process in order to get your car fixed. Fixing a car is never cheap, but by picking the right coverages it can help you feel more comfortable about how much you will have to pay out of pocket. If your only concern is price, then a liability only policy is the cheapest. By selecting a liability only policy, your insurance company is only responsible for covering the damages you cause to other vehicles, not your own.If price is not your only concern, and you want your vehicle to be protected in the event of an accident, purchasing collision coverage will protect your automobile regardless of who is at fault.
When shopping for car insurance, there are a variety of coverages you can choose from to get the policy that best suits you. When selecting coverages for your auto policy there are things you may or may not need. Some of these options might include comprehensive/collision coverage, road-side assistance (towing coverage), rental car, gap insurance, custom parts, income loss, and med expense coverage. The less coverage you choose for your policy the cheaper your insurance will be, but at the same time you will be less protected in the event of an accident. The key thing when buying an auto insurance policy is deciding what is most important to you. For example, if you do not finance a car there is no need for gap insurance which would pay off your loan if your car was totaled. The best way to shop for auto insurance is to compare quotes from different companies, and see which company best fits your needs. If you ever are involved in an accident, you should always get an estimate done on your vehicle before filing a claim.It might end being cheaper to pay out of pocket than it would be to file a claim, especially if you have a high deductible or the damage to your vehicle is minor.Remember, if you are at fault for the accident or if this is a collision claim, you will have to pay your deductible before your vehicle can be repaired.If you do choose to go through your insurance company for the repairs, they will give you the choice of using one of their network shops they work with or a shop of your choice. These network shops are preferred shops that your company works with on a daily basis, and ones they have built a strong relationship with over the years. In most cases these shops will be able to do the repairs to your vehicle in a timely fashion, while guaranteeing quality in the work as well. If you decide to choose a shop that is out of your companys network, you might not get the same service or results that you would be guaranteed by working with one of their shops.
Regardless of which shop you choose, your insurance company will try to make the claims process as easy and stress free as possible, while providing excellent service along the way. After all, we have enough stress in our lives, dealing with an accident shouldnt be a part of it.
by: Hillary Ross
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