Mistakes to Avoid When Filing an Auto Insurance Claim

Accidents occur every single day, leaving people injured and cars damaged. Having auto insurance with Perry Insurance Agency is an ideal way to get protection from unforeseen circumstances. If you already have insurance, you are entitled to financial compensation from your auto insurance provider in case of covered losses. In the event of an accident, you need to make a claim with your insurance company.

However, you need to avoid some of these common mistakes when filing an auto insurance claim in Vernal, UT:

Giving false information

When a claim is made, the insurance company does its own investigation. Lying or omitting information in your favor could lead to your claim being denied. In some cases, your premiums can be raised or your policy terminated. Plus, giving false information to your insurance provider is a federal offence that is punishable by jail time.

Taking long to file the claim

Filing an auto insurance claim should be done as quickly as possible after the accident. This makes sure that you give fresh and factual information about the accident without forgetting any important details that could help your case.

Filing a claim that you shouldn’t

In case of minor injuries or damages, it could be wise to cover the costs yourself, especially if the cost of repairs is less than the insurance deductibles. Before filing a claim, go through your policy to make sure your losses are actually covered or if there is any exclusion.

Giving too much information          

Avoid too much talk when speaking to the insurance representatives. Claim handlers are highly trained to memorize everything you say, so avoid oversharing; only give factual information.

At Perry Insurance Agency, we provide affordable and reliable auto insurance policies for the residents of Vernal, UT and several other states. Contact us today for a peaceful driving experience.

Important questions to ask your agent before purchasing auto insurance.

A car is a significant financial investment and a valuable asset to get one to work and other necessary activities. It is important for drivers to ask the right questions when purchasing an auto policy to be confident that their auto insurance coverage is adequate.

Do I have enough liability coverage?

This is a critical question to ask your insurance agent. Each state has different requirements for the amount of liability you must carry. However, just because there is a legal limit in place does not mean it is enough protection in the event of a claim. Speak with your agent at Perry Insurance Agency about required limits in the Vernal, UT area to determine an appropriate limit.

Does the policy provide collision coverage for your car?

Many car owners assume that an auto insurance policy will pay for the cost of their vehicle being repaired in the event of an accident. Many policies only pay to fix the other party’s car. If you want to have coverage for your vehicle, speak with your agent about collision coverage.

What happens if I am in an accident with an uninsured motorist?

Unfortunately, there are just too many drivers out there who drive with no insurance or a policy that has less than adequate limits. It is critical to find out how your policy would respond in the event you are in an accident with an uninsured motorist. Ask your agent about an underinsured/uninsured auto policy.

What is the claims process?

In the event of an accident, the last thing you need to be dealing with is trying to navigate a complicated claims process. You will want to make sure your insurer has a convenient way to file a claim. Also, you will want to understand the level of support being provided such as a 24-hour customer service support line.

If you would like to learn more about auto insurance, please reach out to us at Perry Insurance Agency. We proudly serve the Vernal, UT area and over 24 other states.