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Auto Insurance Explained
Learn about auto insurance policies and the different coverages that are optional and those required by state law.

The 13 Steps If an Accident Happens
Important life saving information if and when an accident occurs. Be prepared with these tips and know what to do in case an accident happens.

Filing an Insurance Claim
Learn about what to do before you file an insurance claim, and also what to do during the process of filing an insurance claim.

Motorcycle Insurance
Special tips on motorcycle insurance to save money and lower your premiums.

RV Insurance
Learn about why special protection and coverage may be needed for rv insurance.

Watercraft Insurance
Is your watercraft covered through your homeowners policy? Find out how special coverage is needed to protect yourself and your watercraft.

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Auto Insurance
Filling an Insurance Claim

Before You File a Claim
Be sure you know the answers to these questions before you have to file a claim:

1. How much liability insurance do you have? This coverage pays for damage you cause to another vehicle or injuries to other people.

2. Does your state have no-fault insurance? What coverages does it provide? (See No-Fault Insurance.)

3. What is the deductible for your collision and/or comprehensive coverage?

When You File a Claim
If your car is involved in an accident, if it is damaged by fire, flood or vandalism, or if it is stolen, here are the steps to filing an insurance claim:

1. Phone your car insurance company or local company representative.

Do it as soon as possible, even if you're far from home and even if someone else caused the accident. Ask your company how to proceed and what forms or documents will be needed to support your claim, such as medical and auto repair bills and a copy of the police report.

2. Supply the information your insurer needs.

Normally, written notice of the accident or loss must be given to your insurance company as soon as it is reasonably possible. The notice should have:

your name
the names and addresses of all persons involved
the hour, date, place and facts of the accident or loss, and
the names and addresses of witnesses

Cooperate with your insurance company in its investigation, settlement or defense of any claim, and turn over to the company immediately copies of any legal papers you receive in connection with your loss. Make sure you keep the originals.

Your insurer will represent you if a claim is brought against you and attempt to resolve that claim or defend you if you're sued according to the terms and conditions of your policy.

3. Keep records of your expenses.

Expenses you incur as a result of an automobile accident may be reimbursed under your policy. For example, a no-fault insurance policy will usually pay your medical expenses, and possibly other costs such as lost wages or at least part of your costs if you have to hire a temporary housekeeper.

4. Keep copies of your paperwork.

Store copies of all your paperwork in your own files. You may need to refer to it later.

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