Accept or deny the claim immediately (in no more than 40 days) after receiving proof of claim. (Proof of claim is documentation in your possession which provides any evidence of the claim and supports the magnitude or the amount of the loss, such as estimates of repair or police report indicating theft of your vehicle, etc.)
Pay reasonable towing expenses, unless the insurer has provided you with the name of a specific towing company prior to your using a towing facility.
Pay reasonable towing expenses, unless the insurer has provided you with the name of a specific towing company prior to your using a towing facility.
Offer a fair settlement. If you suffered a total loss, settlement must include taxes, license and transfer fees. The settlement must reflect the value of comparable deductions from the settlement for salvage and must be fair, measurable and discernable.
Pay the claim no later than 30 days from the date settlement was reached on an accepted claim.
Advise you whether or not they will sue the other party to recoup payments you have made to repair your vehicle (a.k.a. subrogation). If the insurance company does pursue subrogation, they must include your deductible unless you've already recovered your deductible.
The bottom line is never make assumptions when you've been in an auto accident and do not try to be your own claims agent. If you've been in an accident, contact your insurer, get the dialogue going and the process started on what needs to be done to protect your needs and get you and your vehicle moving again.
The process of filing an auto accident insurance claim is regulated by the California Department of Insurance; however, in a competitive auto insurance market, great service from the claims department can set an insurance company apart from the pack. This is the number one goal of Mercury: To provide exceptional service at all times.
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