To claim or not to claim…….who do you ask the question?

You were just in an accident.  You were backing up and hit a pole.  The pole was fine, but your back fender was damaged. You’re not sure you want to start a claim or how much would you need to pay up front.  You might have had an accident months ago and don’t want your insurance rates to go up or you are close to getting accident-free credits on your account.  You want to talk with your agent about the “what if’s” before you decide.  We call this claims counseling.

You must be aware that, when you claims counsel, or speak with a direct writer (i.e. a State Farm agent, an Allstate agent, Geico agent), you are speaking with a company employee and they are required to tell the company that you called about an accident.  Whether they pay out or not, the accident will now be listed in your claims history.

When you claims counsel with an independent agent, you do just that:  counsel.  Ask your questions, find out your options, get help with your decisions and move forward.  Be aware, at this time we cannot tell you if your cost of insurance will change or how much the company will pay if the car is totaled.  In the agency, your file will be noted, but we will not move forward with the claim unless you have decided you want to.  All bets are off, however, if anyone was hurt.  Those types of accidents should always go straight to claims.

 

 

Posted in

17 Comments

  1. John on April 2, 2018 at 8:36 am

    My most difficult experience with an auto insurance claim was with a driver who hit my car (sideswiped), then ran, then by luck I found him (he had turned around; I happened to take the same road soon after), got his plate number, and he ran again.

    I reported the accident, but what galled me was that I had to call *him* (the police officer gave me his number) to get his insurance info. That was like pulling teeth, and he called me back for several days trying to convince me not to go through insurance and let him pay for the damages himself. I appealed to the police officer with whom I reported the accident, and he finally stopped.

    WHY, pray tell, do I have to deal with the other driver for this? I was stuck dealing with this low-life. There should be a national registry for auto insurance.

  2. sextuts on June 12, 2021 at 11:23 am
  3. WowIninna on September 16, 2021 at 9:29 am
  4. extinue on October 5, 2021 at 10:16 am

    https://prednisonebuyon.com/ – what is prednisone

  5. Uncothe on October 11, 2021 at 12:56 am
  6. Hiphers on November 9, 2021 at 4:38 am
  7. dokenonon on November 11, 2021 at 2:29 am
  8. Enteveked on December 10, 2021 at 7:26 am
  9. ucuz instagram takipçi on January 25, 2022 at 10:54 pm

    Hmm it looks like your blog ate my first comment (it was extremely long)
    so I guess I’ll just sum it up what I submitted and say,
    I’m thoroughly enjoying your blog. I too am an aspiring blog
    writer but I’m still new to the whole thing. Do you have any points for newbie blog
    writers? I’d certainly appreciate it.

  10. google yorum satın al on February 21, 2022 at 1:20 am

    google maps yorum satın al hizmeti için uygun sağlayıcı arıyorsanız google maps yorum satın al adlı videomuz tam sizin isteklerinize uygun olarak hazırlandı.

  11. google yorum satın al on February 21, 2022 at 1:23 am

    google maps yorum satın al hizmeti ile googledeki sıralamanızı yükseltin ve daha çok müşteri toplayın

  12. google yorum satın al on February 23, 2022 at 12:53 am

    google yorum satın al hizmeti ile işletmenize daha çok müşteri çekin ve satışlarınızı artırın

  13. Google yorum satın alma on May 13, 2022 at 2:56 am

    Google yorum satın al hizmeti ile işletmenizin sırlamasını yükseltin

  14. Google haritalar yorum satın al on May 13, 2022 at 7:26 pm

    Haritalarddan daha çok müşteriye ulaşmak için Google Haritaalr yorum satın al

  15. Google yorum satın alma on June 5, 2022 at 2:16 pm

    Google yorum satın al hizmeti ile işletmenize gelen müşteri sayısını arttırın.Ayrıca işletmenizin internetten elde ettiği geliride artırırsınız.Bilgi için web sitemizi ziyaret edin

  16. car game on June 12, 2022 at 2:53 am

    hard car parking game , download now

Leave a Comment