- Location
- poughquag, ny
Ok as the seasons approach with the snow coming do you have good auto insurance?
Did this last year also, let me start by saying I don't work for any insurance company and not trying to sell anything? These are my opinions based on what I do for a living.
Things to do if ever in an accident. Regardless of how miner of a incident call the police, it is for your protection in the long run, if they refuse to stay, always get plate #, it's a crime to leave the scene of a accident. Seen allot of b.s happen by reports not being done, person says one thing to you but another to their insurance, no fault cause you cant prove without witness
Please look at your auto insurance and what EXACT coverage you have, most people don?t know and enough can't remember their own insurance companies name. Things to look for, do you have full coverage? What is included in your full coverage? Have you asked them to update pricing or shop around? Do you have rental coverage? If so how many days do you have? Do you have glass coverage? Is replacement an option regardless? {Compromised glass is not safe as we all know} if so is there a deductible? What type of parts will be used? Factory, aftermarket? Is the aftermarket a capa certified part? Is it a recycled part? Did any bodywork have to be done to that part?
These are your rights as an insured.
You have the right to have your car repaired where you choose, not where they might ask you to go. Once an incident is reported to them they have 6 business days to have an appraiser out to see your car. You DO NOT have to go to one of their drive inn or drp shops, you must make the car available to them though, you don't have to be there. You do not need to obtain more then 1 estimate.
Now on the to last, DO not ever just take money from a incident, you car could be worse then you think, seen many of cars with crushed trunk floors and only minor markings on a bumper. Allot can happen behind a plastic bumper. Or worse you actual end up hurt and doesn?t kick in for an hour. Insurance = there to help to a degree, but they are your protection in a legal battle.
Always get all info when involved in a accident, always keep a pencil and paper in car to exchange info, possibly a disposable camera, take pic's at scene, cant argue a picture. Ask for id, and always call the police. It?s your life, your investment and your safety. And if a car seat was in the car whether a kid was in it or not always demand a new one, you will get it, it's a law
This has been a public announcement
btw I am a appraiser for a dealership auto body, and work with these situations for a living, feel free to ask questions
excuse me if i ramble, but these really arent things to over look, get rid of the higher deductable, is saves a few dollars a month and if your ever in a accident easier getting 250 or 500 then a grand. you pay for insurance for a reason, and if they want to raise change companies, not having rental or glass saves you about 5-10 dollars a month, compare it to one windshield replacement
Did this last year also, let me start by saying I don't work for any insurance company and not trying to sell anything? These are my opinions based on what I do for a living.
Things to do if ever in an accident. Regardless of how miner of a incident call the police, it is for your protection in the long run, if they refuse to stay, always get plate #, it's a crime to leave the scene of a accident. Seen allot of b.s happen by reports not being done, person says one thing to you but another to their insurance, no fault cause you cant prove without witness
Please look at your auto insurance and what EXACT coverage you have, most people don?t know and enough can't remember their own insurance companies name. Things to look for, do you have full coverage? What is included in your full coverage? Have you asked them to update pricing or shop around? Do you have rental coverage? If so how many days do you have? Do you have glass coverage? Is replacement an option regardless? {Compromised glass is not safe as we all know} if so is there a deductible? What type of parts will be used? Factory, aftermarket? Is the aftermarket a capa certified part? Is it a recycled part? Did any bodywork have to be done to that part?
These are your rights as an insured.
You have the right to have your car repaired where you choose, not where they might ask you to go. Once an incident is reported to them they have 6 business days to have an appraiser out to see your car. You DO NOT have to go to one of their drive inn or drp shops, you must make the car available to them though, you don't have to be there. You do not need to obtain more then 1 estimate.
Now on the to last, DO not ever just take money from a incident, you car could be worse then you think, seen many of cars with crushed trunk floors and only minor markings on a bumper. Allot can happen behind a plastic bumper. Or worse you actual end up hurt and doesn?t kick in for an hour. Insurance = there to help to a degree, but they are your protection in a legal battle.
Always get all info when involved in a accident, always keep a pencil and paper in car to exchange info, possibly a disposable camera, take pic's at scene, cant argue a picture. Ask for id, and always call the police. It?s your life, your investment and your safety. And if a car seat was in the car whether a kid was in it or not always demand a new one, you will get it, it's a law
This has been a public announcement
btw I am a appraiser for a dealership auto body, and work with these situations for a living, feel free to ask questions
excuse me if i ramble, but these really arent things to over look, get rid of the higher deductable, is saves a few dollars a month and if your ever in a accident easier getting 250 or 500 then a grand. you pay for insurance for a reason, and if they want to raise change companies, not having rental or glass saves you about 5-10 dollars a month, compare it to one windshield replacement
