Insurance Tips

Claims with your own Insurance Company

When you have filed a claim with your own insurance claim for physical damage to your vehicle from a car accident(Collision Claim) or from vandalism or another type of event under the comprehensive section of your policy,(Comprehensive Claim)or for injuries sustained in crash(Med Pay Claim)as long as there are no problems with your coverage, your claim should be approved and be paid.For collision and comprehensive damage,most insurers will pay the body or the glass shop where you have your car repaired directly after the refer an estimate from the shop.Occasionally,although this does not happen much any more, an adjuster will come to your home or work,write an estimate for the damage him and herself,and hand you a check right there and then to cover it.

If you have rental car policy and your car must be in the shop for several days or weeks,the insurer will either arrange for you with a company with whom they have a relationship, or tell you whom to call.There is usually a daily or weekly dollar limit and the insurer will pay the rental car company directly.

For a Medical Payment claim, some people also have health insurance that will cover their bills. Read your auto policy to determine which coverage is 'primary', i.e., pays first, and how your insurer handles it if you have double coverrage. Although you are entitled to receive payment from your Med Pay coverage on your auto insurance policy, some insurance companies may choose to subrogate against(legally request reimbursement from)your health insurer if your health insurance is primary. Other companies will just pay you directly for your bills even if they were already covered by your health insurance and you can keep that money. Your policy will only cover you for reasonable and necessary treatment, and as long as the amount is within your policy limits.