What you should do if this happens to you!
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| Ways to save on your auto insurance |
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Shop around and compare prices. A list of companies can be found in your local yellow pages of your phone book.
Maintain a good driving record.
Take the highest deductible the insurance will allow for collision and comprehensive coverage. A higher deductible will lower your premium.
More ways to save!
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Repairing Your Vehicle Following An Accident
Check your deductible first. If the damage to your vehicle is minor than it is most likely less than your deductible. If this is the case, it is your responsibility to pay for the repairs yourself. Also, if the damages to repair your vehicle are less than the deductible, it is not necessary for you to file an insurance claim.
An adjuster will be assigned to your claim to estimate the damages to the car and how much the company will pay to have it fixed.
The company will offer you a list of their preferred repair shops, but the choice is ultimately your decision. Keep in mind, if you decide to go on your own, you may have to pay the difference between the estimates, if your body shop comes in with a higher estimate than the insurance company's, unless the increase can be justified.
You may have to pay the difference in cost, if you want brand new parts instead of manufactured or salvaged parts.
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More Information:
Repairing Your Vehicle
Additional Insurance Coverages
Insurance Terms
Safety Issues
State Limits
In 2005, there were nearly 6,420,000 auto accidents in the United States.
About 115 people die every day in vehicle crashes in the United States, estimating one death every 13 minutes.
Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for 36% of all deaths in this age group.
California leads the nation in traffic fatalities. More than 4,000 sustain serious injuries, such as quadriplegia, paraplegia, brain injuries, and spinal cord injuries.
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Insurance Resources
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