Post-Repair Insurance Tips to Keep You Covered

By Mary Ward

If by some unfortunate set of circumstances you find yourself in an accident,
there’s a good chance you’re going to need some sort of repair done on your
vehicle; whether it be minimal or substantial. When this happens you’ll want to
make sure that all your I’s are dotted and all your T’s are crossed to ensure that
you maintain coverage with your insurance company, and to keep that coverage at
a good level.

Understand Your Coverage

The first thing is to understand your auto insurance policy. Review the policy, and
if you don’t understand the language, then find someone who can explain it to you.
This will help you in two ways. First, it will give a clear understanding of what your
auto insurance company is required to do for you by law, and second, it will give
you a clear understanding of what you are required to do also.

Meet All Deadlines

The most important thing to remember is that if you are required to meet certain
deadlines, then you’ve got to meet them. Many people are so focused on what
the insurance company is required to do, they completely overlook their own
obligations relevant to the accident, and what’s required of them after their vehicle
has been repaired.

For instance, there may be forms that need to be filled out by the repair shop
stating what the actual damage was, what work has been done, and what the cost
of those repairs are. Remember, your insurance company is out to make money.
Paying out large claims or continuing to provide you with auto insurance if you’re
classified as a high-risk driver post-accident, isn’t the way they go about making
their money. So be sure all deadlines are strictly adhered to. Also, make sure all
forms are completed correctly.

Complete All Forms Properly

Incomplete forms, or forms that are filled out improperly, could lead to your auto
insurance coverage being dropped. And, the insurance company isn’t going to play
tittle winks with you, or treat you with kid-gloves. They are going to follow the
contract to the T, and that’s that.

Keep Good Records

It’s also a good idea to keep every scrap of paper you have that’s relevant to
the accident. This includes police reports, statements from all parties involved,
repair quotes, and a journal of all communications you’ve had with any auto
insurance agents; including their name (and work ID # if applicable) the date of the
conversation and a synopsis of what was discussed.

The key to keeping your auto insurance coverage after the repairs have been made
is to understand what the obligations of all parties involved are, according to the
language of your auto insurance contract.

Mary Ward works to help consumers maximize their auto insurance savings,
while ensuring that they also obtain the necessary levels of insurance for
their needs. To learn more about this important topic, please visit the site, www.collisioninsurancequotes.com.