Will Filing A Claim Make My Premium Increase Or Result In My Policy Being Canceled?

A single claim shouldn’t change your relationship with your insurance provider. Multiple claims, however, can become a cause for concern that could lead to an increase in your premiums or even cancellation of your coverage. Generally, your insurer will be more inclined to change your rates or coverage if the claim you file relates back to some negligence on your part. It is always best to contact your agent prior to actually filing a claim if possible.

Will My Automobile Policy Protect A Friend Or Relative If I Loan My Vehicle To Them?
If you have given a friend or relative permission to drive your car, your auto insurance policy will extend to cover an accident he or she causes.

What If Another Driver Hits My Car?
Generally, the other driver’s liability coverage will pay for medical expenses and repairs to your vehicle. If, however, the other driver’s insurance is insufficient to pay your costs, your uninsured or under-insured motorist coverage can step in to make up the difference.

What Happens If I Cause A Car Accident?
If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.

What Happens After I File A Claim? Your steps after filing a claim are:

  • Your insurance company adjuster will reach out to you to gather detailed information about your claim.
  • The adjuster may come out to inspect your vehicle or property to evaluate the cost of damages.
  • You will work with your adjuster will get an estimate for the damages.
  • A check will be cut for that estimate.
  • If actual costs differ from the estimate, you and your insurance provider will address the difference. Generally, this means a supplemental check will be delivered to you.

If I Rent A Car Or Truck Am I Protected Against Loss By My Business Auto Policy?
You need to read the specifics of your policy to understand if your rental will be covered. Make sure you have hired auto liability and physical damage coverage before you take a rental car or truck out on the road.

How Does My Automobile Policy Protect Me When I’m Driving In Other States That May Require Different Limits Or Types Of Coverage? What About When I’m Driving In Another Country?
If you’re carrying the minimum required coverage for your state, it should automatically adjust to comply with other state regulations once you cross state borders. Your policy will also protect you in US territories and possessions and Canada. If you’ll be driving outside of those areas, talk to your agent about additional coverage.

How Do I File A Claim?
If possible it is in your best interest to contact your agent first to discuss options available based on your situation. If unable to connect go straight to your insurance carrier to file your claim. You can file your claim either online or over the phone.

Do I Need To Buy Insurance From The Rental Car Company If I Have My Own Personal Automobile Insurance?
Your personal auto coverage will can cover damage to the rental car, property damage you cause, and injury expenses. You may still be asked to cover the cost of lost income because the car was not usable by the rental car company while it was repaired, though. Review your personal coverage to see if it can cover this expense. If not, your credit card company may be able to cover the claim or you can purchase a collision damage waiver from the rental car company to release yourself of financial liability for damages you cause to the rental car.