Some accidents may involve little damage and will be under your deductible, so you may be inclined to circumvent the process of filing an auto accident insurance claim and just fix the damage on your own. This is a mistake that could cost you thousands, if not hundreds of thousands of dollars, because what seems like a little fender bender could turn into an injury claim. By reporting the accident, you are now protected against future claims because Mercury will now have a record of the damage and will be able to defend you in the event that you are sued. Additionally, Mercury can help arrange for repairs at a trusted facility, and you can take advantage of the company's pricing discounts. In most cases, the reporting of this fender bender will not affect your premium and it will end up saving you money in the long run.
Don't Do It Alone
Insurance professionals can spot red flags and are trained to deal with people and resolve problems, which takes the adversarial component out of the equation. When people try to adjust their own claims, they are an involved party and it often gets emotional.
Advise you of all benefits, coverage, time limits, or other provisions of your insurance policy.
Acknowledge a claim, start an investigation, provide forms and instructions, and provide reasonable assistance immediately (in no more than 15 days) after receiving notice of a claim. (Notice of claim is any written or oral communication to the insurance company that reasonably apprises the insurer that you wish to make a claim.)
Respond immediately to communications received from you (in no more than 15 days).
Don't Do It Alone
Insurance professionals can spot red flags and are trained to deal with people and resolve problems, which takes the adversarial component out of the equation. When people try to adjust their own claims, they are an involved party and it often gets emotional.
Advise you of all benefits, coverage, time limits, or other provisions of your insurance policy.
Acknowledge a claim, start an investigation, provide forms and instructions, and provide reasonable assistance immediately (in no more than 15 days) after receiving notice of a claim. (Notice of claim is any written or oral communication to the insurance company that reasonably apprises the insurer that you wish to make a claim.)
Respond immediately to communications received from you (in no more than 15 days).
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