If you're lucky, you've never been involved in an auto accident. But that doesn't mean it will never happen. And truthfully, a claim is when you figure out if you have "good" insurance or not right? Because until you use it, you just don't know.
But is that really the best time to discover if you have good insurance or not? When you're in the middle of a stressful situation such as an accident? Probably not. So the following article offers up advice and questions you should ask BEFORE the claim actually happens.
So the biggest question first: Have you read your Ohio auto insurance policy lately? Ever? Probably not. Few people do, in all honesty. In fact, most people would rather get a cavity filled than read an insurance policy.
But whether you read the policy or not, you should know what your policy covers -- and what it doesn’t. No policy can cover every possible situation, but most good policies cover just about every one. Sometimes, when they buy their policy, people decide not to have certain coverage. Maybe it’s because some coverage is too expensive, not necessary or not worth having because their car is fairly old.
You should know the situations in which you don’t have coverage. Call your agent, or whoever sold you the policy, and ask him or her to explain what the policy covers, but, most important, what it doesn’t.
Here's questions you should know the answers to BEFORE you need to file an Ohio auto insurance claim:
- Does my policy cover someone else driving my car, whether listed as a driver on the policy or not? This is a big one folks. We've heard of some insurance companies that flat out refuse to cover a claim because the driver was not listed on the policy. Each company treats these drivers differently, so you need to know how YOUR company handles it.
- Does my policy automatically include rental reimbursement coverage in case I have an accident and need a rental car while my car is being fixed? If your insurance company includes a minimum amount of rental reimbursement automatically, you may not need to buy the coverage (ding, ding- that's money saved!) Of course, if the minimum isn't going to give you what you need, then you should buy what you do need. But always ask!
- When does the rental reimbursement coverage begin and end? Don't get taken by surprise! It's possible you might not be able to get your rental car until your car goes into the shop and then you might only be able to have your rental car for the number of days it's in the shop. If you get an explanation in advance, there's less chance for a nasty surprise.
- Do I get to choose the body shop I want to use? Many insurance companies have "preferred" body shops. What this means is the shop has an agreement with the insurance company. The idea is that the body shop works directly with the insurance company to provide the estimate and handle all paperwork with the insurance company. The shops are high quality for sure. But what if the shop you want to work with isn't a Preferred shop- perhaps because they just don't want to handle the additional paperwork or some other reason? Then you should know in advance if you HAVE to use the preferred shop in order to get the claim paid. Because there's nothing more aggravating than finding out you're on the hook for the bill because you didn't use a preferred shop. Again, ask!
Like what you just read? Get the full report "What You Need to Do Before And After Filing An Auto Insurance Claim" for even more helpful tips and information. It's FREE! Download the report on our website for immediate access.
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