Q. How will my damages be determined?
A Insurance Company representative will write an estimate of damages. They will contact you to arrange inspection of your vehicle.
Q. What if my vehicle is not drivable?
Have it moved to the repair shop of your choice, but do not authorize repairs until the insurance company has had a chance to inspect the vehicle. Be sure to tell the insurance company where it will be repaired.
Q. What if my vehicle is a total loss?
Simply stated, a vehicle is determined to be a total loss when the damage exceeds the value of the vehicle. If your car is a total loss, we will contact you regarding the value.*
* There are a number of factors that must be considered in evaluating a total loss. The primary factors are severity of damage, vehicle age, condition, market value before the accident, and salvage value of the damaged vehicle. In addition, some states have laws that dictate how total losses must be calculated. If your vehicle is a total loss you will be provided with an itemization of the total loss evaluation.
Do not authorize repairs if you believe your vehicle is a total loss.
Q. What happens after my vehicle has been inspected by the insurance company?
You will receive a copy of your estimate.
Present the estimate to the body shop of your choice.
Only you can authorize repairs to your vehicle.
Have your body shop contact us to resolve any differences in the original estimate.
Q. How is payment made?
The insurance company will issue a check for the repair costs.
Q. How do I make rental car arrangements?
The insurance company will assist you in making rental car arrangements if your policy has this coverage. Usually the will give you an authorization number to take to a local rental car agency. Usually Enterprize Car Rental.
It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.