Auto Insurance Claim

Auto insurance claim processes can be frustrating and time-consuming. This is because insurances companies want to be certain that the claim that is being submitted is entirely legitimate and that the individual who is filing the claim is not just trying to take advantage of the company to get a little extra money. This being the case, doing an auto insurance claim can take many weeks until the money from the premium is actually paid to the policy holder. In order to understand what types of situations merit an auto insurance claim, one should understand all of the different types of auto insurance.

There are nine specific types of auto insurance that one can claim on in the event of an accident or costly circumstances. These types of coverage include auto liability, personal injury protection, medical payments, collision, comprehensive insurance, uninsured motorist and rental reimbursement. Depending on what situation that one is in, one or more of these coverage types can be claimed. In order to know which one of these coverage's will fit the situation that one might be in, it is important to understand what the specifics of each one of these coverage are.

Specifics of Coverage

Auto liability coverage is the type of coverage that will pay for damages that are the driver's responsibility. If the driver causes an accident or does damage to a person or property, this kind of coverage will take on that monetary responsibility. The two sub-types of this type of coverage include bodily liability and property liability. Normally, these two types of easy auto coverage are lumped together because they are essentially the same in price.

Personal protection coverage is the type of coverage that will take care of all of the expenses that are incurred as a result of the aftermath of an accident. This includes lost earnings, rehabilitation, funeral expenses or replacement of services that the driver formerly provided, such as child care. This type of coverage is especially useful if the individual has several children and want to be certain that they are taken care of in the event of an accident.

Medical payment auto coverage is relatively self-explanatory; this is the type of coverage that will take care of all of the medical expenses of either party involved in an accident. This type of coverage is largely to ensure that the insured is not saddled with several thousand dollars of medical bills after an accident. Though this type of auto coverage is not always required, it is often purchased, simply for the peace of mind that it brings.

Collision auto coverage is the type of coverage that will take care of property or bodily injury that might be incurred by an accident where a car runs into another car or if a car runs into a piece of property. This type of coverage is often required in order for someone to legally drive. This is because it covers the widest variety of items that could be damaged in the event of an accident for a car insurance claim. This type of coverage is arguably the most frequently used type.

Comprehensive coverage is another frequently used type of auto coverage in a vehicle insurance claim. This is the type of coverage will take care of bills incurred by damages caused to a vehicle as a result of the elements or other miscellaneous damages. This includes fire, water, wind, hail, vandalism, animal damage and other like-charges in a automobile insurance claim.

Uninsured motorist coverage is the type of auto insurance that will take care of expenses that might be inflicted on the one driver's vehicle by another driver that may not have insurance for his or her vehicle in an automobile insurance claim. If another driver causes an accident that he or she is responsible for, but does not have coverage that will protect the other driver, the other driver cannot file an automobile insurance claim for normal types of coverage. This is where uninsured motorist coverage comes into play.

Rental reimbursement auto coverage is a type of plan that covers expenses that come if the driver damages a vehicle that was rented. This type of coverage will protect the rental company mostly, especially if the driver of the vehicle cannot pay for those damages or if they do not have a plan themselves.

The Claim Process

Though there are other types of insurance that can be mentioned in an auto insurance claim, these are the most common types. In understanding these different types of coverage, one can better understand how the claim process works and what is needed to file a legitimate claim. Though not everyone will have an all of these kinds of coverage, most states will require one or more of these plans to protect the driver as well as other drivers on the road.


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