Auto Insurance in Tamarac, FL
Auto insurance acts as a financial shield that may cover medical bills and expensive repair or replacement costs after an accident. Without it, accidents could lead to significant out-of-pocket expenses that could strain your finances.
What Does Auto Insurance Include?
The types of coverage included in auto insurance policies vary by policyholder, but standard policies typically include the following:
- Liability insurance may compensate third-party injuries and property damage if you’re responsible for an accident.
- Collision insurance may reimburse your car repair expenses after an accident.
- Comprehensive insurance may pay for noncollision damage, including explosions, fire, windstorms and theft.
- Uninsured and underinsured motorist coverage may pay for injuries and property damage after accidents involving an at-fault driver without sufficient insurance.
- Medical payments coverage may pay for treatments of minor injuries following an accident.
Guide to Filing an Auto Insurance Claim
Auto insurance claims must be filed as soon as possible after a covered incident. If the damage is minor and you’re paying out-of-pocket, you might not need to file a claim, but always check with your insurer first. Here’s a breakdown of the process:
- Move your vehicle to a safe location if possible and call 911 if there are injuries or serious damage.
- Collect the other driver’s name, contact details, license number, insurance information and vehicle details.
- Take photos or videos of the scene, including vehicle damage and any relevant road signs or signals.
- Call your insurer promptly to report the accident and ask about your coverage, deductible and next steps.
- Submit photos, police reports and repair estimates as requested by your insurer.
- Cooperate with the claims adjuster who may inspect your vehicle or ask for more information to assess the claim.
- Choose a repair shop, though your insurer may recommend preferred providers.
- Review the settlement offer.
- Once the settlement offer is accepted, the insurer will issue payment based on your policy’s limits.
Explore Your Options
AAAADVANTAGE INSURANCE LLC offers auto insurance solutions at favorable rates. Contact us today to learn more.