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Insurance Claim Process Explained
Summary
In California, you can choose your mechanic for insurance claims, and while multiple estimates are beneficial, theyre not mandatory. For non-owner policies, check if vehicle ownership status affects coverage. Accidents must be reported to the DMV if damage exceeds $1,000 or if there are injuries. Failing to report can lead to license suspension. You can file claims and submit statements online. Deductibles are typically deducted from repair estimates, and the insurer pays the remaining amount.Full Conversation
I was wondering if you can tell me how insurance claims work when you make a claim.And someone might be underinsured or have no insurance.Do you have to go to their mechanic?Or do you get three estimates
Hey ****! In California, when dealing with insurance claims, especially if the other party is underinsured or uninsured:
- You may choose your own mechanic; insurers typically allow this.
- Getting multiple estimates can be beneficial but is not mandatory.
- If uninsured, consider uninsured motorist coverage if applicable.
Do you have any specific concerns about your situation?
- You may choose your own mechanic; insurers typically allow this.
- Getting multiple estimates can be beneficial but is not mandatory.
- If uninsured, consider uninsured motorist coverage if applicable.
Do you have any specific concerns about your situation?
Yes, I want to know. If I can make my claim online.
I have a non owner policy and I backed a car out of a driveway and made contact with a parked car.
The car I was driving has not been fully transferred over.It's in between owners
You can typically file an insurance claim online through your insurance company's website or app. Check with your insurer for specific instructions. If you're dealing with a non-owner policy, ensure the vehicle's status doesn't affect coverage. Do you have concerns about the car's ownership affecting your claim?
Yes, yes
Case Rating: *
Hey ****, it sounds like you have a unique situation with the non-owner policy and the vehicle's ownership status. You should check with your insurance company to see if the incomplete transfer of ownership might impact your coverage or claim process. They can provide the most accurate advice based on your policy. If you have any other specific questions, feel free to ask!
Hey ****, it sounds like you have a unique situation with the non-owner policy and the vehicle's ownership status. You should check with your insurance company to see if the incomplete transfer of ownership might impact your coverage or claim process. They can provide the most accurate advice based on your policy. If you have any other specific questions, feel free to ask!
Will my license be suspended?Because I did not report do the d m v or what is the limit of damage that you have to have before you mandatory have to report to d?M v
Case Rating: *
Hey ****, in California, you must report an accident to the DMV if:
- Damage exceeds $*,*.
- There is injury or death.
Failing to report can result in license suspension. Check your insurance coverage and consider reporting if necessary. Do you have any other questions about this situation?
Hey ****, in California, you must report an accident to the DMV if:
- Damage exceeds $*,*.
- There is injury or death.
Failing to report can result in license suspension. Check your insurance coverage and consider reporting if necessary. Do you have any other questions about this situation?
My insurance company knows about the accident, but hasn't got a statement from me yet.There's already a claim in progress.The other person's car that was parked has full coverage and under ensured motorist coverage
Case Rating: *
Hey ****! Since your insurance company is aware of the accident and the claim is in progress, it's important to submit your statement as soon as possible. The other car's coverage may help in the claim process. Do you have specific concerns about submitting your statement or the ongoing claim?
Hey ****! Since your insurance company is aware of the accident and the claim is in progress, it's important to submit your statement as soon as possible. The other car's coverage may help in the claim process. Do you have specific concerns about submitting your statement or the ongoing claim?
Can I submit my statement online?
I believe that it's whatever they said happened happened.I'm the one that backed into the car that was parked.There was nobody in it to be injured
Case Rating: *
Hey ****, you usually can submit your statement online through your insurance company's website or app. It's important to provide your account to ensure all details are clear. Since there's no injury, it seems like a straightforward property damage claim. Let me know if you have any more questions!
Hey ****, you usually can submit your statement online through your insurance company's website or app. It's important to provide your account to ensure all details are clear. Since there's no injury, it seems like a straightforward property damage claim. Let me know if you have any more questions!
Can I give my account of what happened to you?And you could format it
Case Rating: *
Sure, ****! You can provide your account, and I'll format it for you. Please share the details you'd like to include.
Sure, ****! You can provide your account, and I'll format it for you. Please share the details you'd like to include.
Okay, I was backing out of the driveway the neighbor's trash receptacle on my left side and trying not to hit it. On my right side, a four by four pickup truck, also in the driveway, left side rose garden. I was backing out very slow as I don't have very much room on both sides of me.
And trying to avoid hitting my neighbor's trash can that was on the curb on the left side of me.
When I bumped the back Fender of the driver's side.
No damage to my car.
And what I thought was not too much damage to his car, since I was still slowly backing out.
Can you make that sound better?which was parked and vacant.
Case Rating: *
Here's a polished version of your account:
While carefully backing out of the driveway, I was mindful of a neighbor's trash receptacle on my left and a pickup truck alongside a rose garden on my right. In my cautious attempt to avoid the obstacles, I gently bumped the driver's side back fender of the parked, vacant truck. There was no damage to my vehicle, and minimal damage seemed apparent on the truck.
Here's a polished version of your account:
While carefully backing out of the driveway, I was mindful of a neighbor's trash receptacle on my left and a pickup truck alongside a rose garden on my right. In my cautious attempt to avoid the obstacles, I gently bumped the driver's side back fender of the parked, vacant truck. There was no damage to my vehicle, and minimal damage seemed apparent on the truck.
The neighbor's trash receptacle was on the left rear side.
On the sidewalk.
And the left side is where the rose garden is to my right is the * / * truck. Can you put that in where it belongs
Case Rating: *
Here's a revised version:
While backing out of the driveway, I navigated carefully between a neighbor's trash receptacle on the left rear sidewalk and a pickup truck near a rose garden on my right. In my cautious maneuvering, I gently bumped the driver's side back fender of the parked, vacant truck. My vehicle sustained no damage, and the truck seemed to have minimal damage.
Here's a revised version:
While backing out of the driveway, I navigated carefully between a neighbor's trash receptacle on the left rear sidewalk and a pickup truck near a rose garden on my right. In my cautious maneuvering, I gently bumped the driver's side back fender of the parked, vacant truck. My vehicle sustained no damage, and the truck seemed to have minimal damage.
Thank you I could work with that.
Case Rating: *
It's great that you have a clear account of what happened. The situation seems like a straightforward property damage claim, especially since there's no injury involved. If you have any further questions about the process or need more assistance, feel free to ask!
It's great that you have a clear account of what happened. The situation seems like a straightforward property damage claim, especially since there's no injury involved. If you have any further questions about the process or need more assistance, feel free to ask!
When there claim gets paid, do they have to pay a deductible? First or do they just deduct that amount from the repair estimate?
And cut you a check
Case Rating: *
Hey ****! Usually, when a claim is settled, the deductible amount is deducted from the repair estimate, and the insurance company pays the remaining amount directly to you or the repair shop. You don't pay the deductible separately. Do you have any other questions about insurance claims?
Hey ****! Usually, when a claim is settled, the deductible amount is deducted from the repair estimate, and the insurance company pays the remaining amount directly to you or the repair shop. You don't pay the deductible separately. Do you have any other questions about insurance claims?
No that would be fine
Case Rating: *
****, it sounds like you've got a good handle on your situation. If you come up with any other questions or need more help, just let me know!
****, it sounds like you've got a good handle on your situation. If you come up with any other questions or need more help, just let me know!
Thank you.
Case Rating: *
Hey ****, it looks like you've covered most of your bases regarding your accident and insurance claim. Since there's no injury involved, it seems like a straightforward property damage case. If you have more questions in the future, feel free to reach out.
Hey ****, it looks like you've covered most of your bases regarding your accident and insurance claim. Since there's no injury involved, it seems like a straightforward property damage case. If you have more questions in the future, feel free to reach out.
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