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Please remember that even if an adjuster sounds sympathetic and friendly, they are not on your side. You must pay close attention to their questions, and assume that they are looking for anything that can reduce your claim.
Insurers act fast because they want to get to you before lawyers that cost them money get involved. They also know they can get you excited with how fast they can get you cash. They’re hoping you’ll make a hasty decision that saves them a bucketful of money.
Hopefully, you are never placed in this situation where you are without a vehicle, injured and now have to continue to pay on a vehicle you can’t use anymore and most likely still need another vehicle. A great way to avoid is to purchase what is called Gap Insurance.
Unfortunately, I have experienced many incidents when a potential client may have been under the impression they had Full coverage only to discover through an initial assessment of their case that they actually have “fools coverage”, less coverage than what they were led to believe they had.
It is important to remain calm and collected in order to ensure that you take the proper steps following a car crash. Frantically yelling at the other driver or forgetting to exchange information can seriously harm you in the case you decide to file a claim.
When you're in a car accident that seriously damages your vehicle, your vehicle may be towed to a body shop and out of commission for significant time, and you are stuck wondering how you are going to get around during its repair.
What does rental reimbursement cover?
Rental reimbursement coverage will help you pay for a rental car—but only if you need the rental car because of a covered loss. For example, if your car is damaged in an accident that's covered by your insurance policy, your rental reimbursement coverage will typically help pay for the rental car.
An automobile accident can damage far more than your car. Medical bills, lost income, and other expenses add up quickly and cause significant financial hardship. Personal injury protection, also known as PIP insurance, helps reimburse you for such costs, and can help protect your friends and family after a covered accident.
Comprehensive coverage is a catch-all for incidents that aren’t considered “accidents” like hail, flooding, or vandalism damage. Comprehensive coverage may help protect your car against damages that are not related to a collision, including:
If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree. Collision insurance can also help if someone or something else hits your car while it's parked.
Uninsured Motorist insurance (UM) is coverage that protects you if you're involved in a collision with a driver who does not have liability insurance, or does not have enough liability insurance to pay for your damages.
Underinsured Motorist insurance (UIM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who has too little insurance to cover all of the injuries.
Covered UM and UIM expenses for you and your passengers include:
Property damage liability coverage helps pay for the damage that you cause to another vehicle, or other types of property. If you are found responsible for a collision, property damage liability coverage would help cover damages you cause.
Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's required in every state—though minimum limits of coverage vary, depending on where you live.
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