My brother had just have an accident a couple of days ago and then everybody in the family is flustered about the injuries, damages and expenses and nobody has thought of my brother’s car insurance. Can you give me some tips or strategies on how to file a claim and deal with an insurance company here in California?

Grey

Oxnard, CA

It is a common reaction of the driver’s family to be confused after the accident but then one of the members of the family will snap out of confusion which is a good thing. Knowing how to handle car accidents and filing claims are things that will help us fight for our rights and get compensation. And if you are not well informed there are things that your insurers would do in order to fool you in order for you to settle for less.

The first thing your insurer in California usually would do to your damaged car is to utilize the parts in fixing your car and they will also try not to explain to you on how to file for a personal injury claim or you can get fully compensated. The best thing you could do is to read carefully and understand thoroughly your policy for you will know what your rights are and how much you can get, you should not give in to what they offer for they are not making mistakes but rather they are doing everything intentionally. Usually, car insurance companies make the process for claims very difficult but still you have to be strong and seek legal advice if it is possible. It may be a long way but then it is worth it.

I am new here in New Jersey and unfortunately my car was stolen and I was really devastated that I don’t know what to do. What do usually the people here in New Jersey do when their car is stolen?

Martha

Elizabeth, NJ

It is most advisable here in New Jersey that whenever their car is stolen they should immediately inform their car insurers of all of their losses and also, you should report it to the police. It is most necessary to report it to the police for you will need the police report to make sure your car insurers will not deny your claim. Stolen cars are not the only thing you should report as a loss for vandalized or damaged by a hit and run is also considered a loss.

When a car is damaged here in New Jersey, the owner of the car must make the wrecked car available for the insurers to inspect. You should not have your car repaired yet before the inspection. Not all the damages of your car can be paid by your insurers like for example if the car seat is broken due to the rain that dropped into it from the broken windshield. You should also cooperate to your insurer’s investigator for this could help your claim accepted. If you have filed a claim to your car insurance, your insurance company has to complete all the conditions affirmed in your policy as well as doing your duties and requirements.

What are the proper steps to filing an auto glass claim in Flagstaff, Arizona?

Andrew

Flagstaff, AZ

You need to first inform your insurance company about the loss. Many insurance companies will cover the windshield repair in your car, so you may want to contact your insurance company in Flagstaff Arizona and report the loss.

When reporting the loss, give as much detail about the loss as possible. You need to tell the date and time which the glass was broken, the extent of the break, how the glass got broken (vandalism, accident, and road hazard), who was in the car when the glass got broken, and any other information that the insurance will request.

Once you have reported the broken glass to your insurance company, be ready to get estimates on the auto glass replacement. Your insurance company may share with you a list of approved windshield repair shops. You should take this list and get estimates from all of the companies on the list.

Once you have the estimates, you should let your insurance company know which auto glass replacement company you want to choose. If it’s an approved company on the insurance’s list of approved service centers, you may get the deductible waived. However, if your insurance company will not waive the deductible, you will be responsible for paying the cost of the service.

This is normally paid right to the auto glass replacement service center. Either you or the insurance company will have to contact the auto glass replacement service center and make an appointment to repair your vehicle. You can either bring your vehicle to their location or most shops today have mobile service trucks to come to you.