Auto Insurance FAQs

What should I do If the insurance company does not contact me? A claim representative should contact you within a reasonable time, usually 24-72 hours after the report of the loss. If you do not hear from someone, call your agent or insurance company for help. If they do not answer or you feel there is undue delay in dismantling your request, please contact the Department of Insurance.

What happens after I file the claim with my insurance company? Your insurance company will contact you for additional information like a detailed explanation of the facts. Examination under oath may be requested. As part of the investigation, other drivers and witnesses will be contacted. If you have any medical expenses or uninsured motorist claim, you must prove your injuries, medical expenses, lost income, etc.

How does the insurance company evaluate vehicle damage? Adjuster or appraiser usually inspects the vehicle. Do not authorize repairs until the adjustment has inspected the vehicle and are satisfied with the extent of repair and the repair shop. If the damage is relatively minor, the company may ask you to submit competitive repair estimates.

What will the company pay on a physical damage claim under a standard auto policy? In general, the Company will pay the lesser of the amount needed to repair the vehicle or the actual value (ACV) of the vehicle.

Auto Insurance FAQs

What should I do If the insurance company does not contact me? A claim representative should contact you within a reasonable time, usually 24-72 hours after the report of the loss. If you do not hear from someone, call your agent or insurance company for help. If they do not answer or you feel there is undue delay in dismantling your request, please contact the Department of Insurance.

What happens after I file the claim with my insurance company? Your insurance company will contact you for additional information like a detailed explanation of the facts. Examination under oath may be requested. As part of the investigation, other drivers and witnesses will be contacted. If you have any medical expenses or uninsured motorist claim, you must prove your injuries, medical expenses, lost income, etc.

How does the insurance company evaluate vehicle damage? Adjuster or appraiser usually inspects the vehicle. Do not authorize repairs until the adjustment has inspected the vehicle and are satisfied with the extent of repair and the repair shop. If the damage is relatively minor, the company may ask you to submit competitive repair estimates.

What will the company pay on a physical damage claim under a standard auto policy? In general, the Company will pay the lesser of the amount needed to repair the vehicle or the actual value (ACV) of the vehicle.