Even a small mistake could cause them to call the police, exchange information with the other driver, and notify their insurance company (regardless of whether you intend to file a claim). It's also a good idea to take pictures of the vehicles and properties involved; you may need documentation if the other driver files an insurance claim. We make it easy to file your car insurance claim in a short time. In addition, you can track your claims process online or through our mobile application.
Once you submit the request, a claims representative begins the process as soon as possible. Whether you report your claim over the phone or online, you can follow the progress of your claim in real time online or through our mobile app. Drivers with incidents such as drunk driving and accidents often pay higher rates for car insurance because insurers believe that these drivers are likely to be involved in similar incidents and file claims related to them in the future. Car insurance is a rare product that you buy in the hope of never using it, but if you're involved in an accident or your vehicle is damaged, you may need to file a claim.
In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss. We obtained non-binding quotes from Quadrant Information Services for a typical driver in every zip code in Phoenix to find the cheapest car insurance companies and rates. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. That's why Progress may be your best and cheapest car insurance option, or another company, such as State Farm or CSAA, could be.
The amount of your policy's auto insurance deductible indicates how much you pay out of pocket for a covered claim, while your coverage limits represent the maximum dollar limit that your insurer could pay in a given category. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to the insurance company that your insured driver caused the accident. Phoenix drivers with a DUI on their records should be sure to get a quote from Progressive when buying car insurance. Car insurance with minimum coverage meets Arizona's liability coverage requirements, which covers injuries and property damage that you cause to others.
Don't expect the at-fault driver to contact your insurance company; it's up to you to report the accident to the other driver's insurance company. You can also tell your own insurance company about the accident in case you need to file a claim against your own policy because the at-fault driver had no insurance, was underinsured, or was denied liability by your insurance company. Full-coverage car insurance generally includes collision and comprehensive coverage, as well as liability coverage. Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful.
While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle.