Auto Insurance Claims: The Good, The Bad, and The Ugly
When it comes to auto insurance claims, it’s kind of like trying to herd cats. One moment you’re tooling down the road having a fine day, and before you can say “fender bender,” the car in front has throw a spoke in your wheel. For example, when dealing with Golden State Auto Rates claims it is like a strategy game. Say it without stupidity! Tangled in the machine… You’ve just had a minor collision and are getting ready to report the event. Postponement will not help you here. You should first notify your insurance company as soon as possible. Be prepared with all of the documentation you have available: insurance card, driver’s license and a complete delineation of how the accident came about–as if this were your own crime scene drama.
So you’re on the phone with your insurance rep and they start bandying about concepts like “liability” or “deductible.” Stop! Ask questions. If they explain the deductible as what you pay before your insurance company will sign over their checkbook, you have got it made.
Now on to the question of estimates. Getting an estimate is rather like tasting gelato at an Italian ice cream parlor. The more opinions, the better. You want a range of choices–whether it’s from an approved shop or your cousin’s friend’s home garage. Just remember, skimping on quality can mean your new bumper will last about as long as a snowball in summer.
Ever think about getting a rental? Your policy might naturally cover. Check out with your insurance company. They may have cars while yours is at the proverbial spa. But just make sure if they do give you a mid-sized car or you’ll end up scooting around town in a subcompact.
Don’t forget the myriad details of paperwork. Make sure everything adds up before putting pen to paper. Mistakes can cost you money in the end. Dotted I’s and crossed T’s? They matter more now than ever.
In the game of claims, patience can be valuable. Keep those avenues of communication open, cherish as though they were an inheritance your rights, and avoid any lurking traps as you would pitfall. Remember, each claim has to tell a story–and it’s best that your situation be told right.