Being prepared is always a good thing to do. What you need to know before you have an auto accident could save you not only time but money.
How do you know if you have enough insurance coverage? Here are a couple of questions to ask yourself before you are in an accident.
No matter how careful you are, auto accidents happen. The best way to make the aftermath as painless as possible is to have all the necessary paperwork on hand.
Keep your registration and vehicle insurance papers easily accessible-and make sure you have the right coverage to fit your needs.
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Is my deductible so high that I would not be able to afford having my vehicle repaired in the event of an accident? What is the price difference on my monthly bill if I lower my deductible?
Most of the time the price difference is surprisingly low. Call your insurance agent to check on the price differences.
Do I have rental car coverage?
Many people do not sign up for rental coverage because they believe they will never need it. To decide if you need rental coverage, ask yourself if you could be without a vehicle for one or two weeks if you were in an accident where there was substantial damage to your vehicle. Normally, rental coverage covers only costs an additional $2-$5 per month.
How you answer these questions could make a substantial difference in your repair experience in the event of an accident. Remember, you should not be afraid to ask questions. Your insurance agent is there to help you!
Things to remember if you are ever in an accident:
1. If your car is not drivable and needs to be towed, make sure to tell the towing company where you want your car taken. If they do not have a specific destination, the vehicle will go to their lot and start accruing storage charges. Remember ~ we provide FREE TOWING!
2. When you call your insurance company to file a claim, make sure they know which repair shop you would like to use. YOU HAVE THE RIGHT TO GO ANY REPAIR SHOP OF YOUR CHOICE. Many insurance companies will try to convince you to to to a shop of their choosing instead of letting you make the choice. If you have a shop you prefer, it's your right to go to that shop. Unfortunately, some insurance companies will try to use "scare tactics" to pressure you to use the shop they recommend. Some of these tactics are:
Making an insurance claim can be stressful and confusing. Feel free to call us with any questions or concerns ree as possible. We will be happy to help you through the process and make it as stress-free as possible.