Rancho Cucamonga, CA, November 15, 2010 --(PR.com
)-- Although nearly every person who drives legally in the country pays their premiums - begrudgingly or not - in order to maintain an auto insurance policy, nobody wants to have to put that coverage to use. In their most recent FAQ, the writers at OnlineAutoInsurance.com outline the process through which policyholders must go in order to file a claim.
Some drivers who buy car insurance online
or through an agent never consider the fact that they may actually have to use it; most people may just be looking to get an adequate policy for a reasonable price in order to drive and to become registered legally. But clearing up any misconceptions about claims-handling at the get-go could result in a smoother process in the future when an incident does occur.
After all, it is during the claims handling process when disputes between insurance coverage providers and policyholders often occur. In Colorado, for instance, nearly 900 formal complaints were filed by consumers with state regulators during 2009-2010 because they were unable to resolve claims disputes between them and their providers.
Generally, an insurer will collect details from a driver once he or she has filed a claim and compile that information along with any police reports and statements from other drivers, passengers, and eyewitnesses in order to establish fault.
How injury-related payments are disbursed depends on who was at fault and the type of insurance system of the state in which the accident occurred. If it takes place in a no-fault state, each injured driver will receive compensation from his or her own coverage provider up to the limits of his or her Personal Injury Protection coverage. For anything beyond those limits, the injured driver may be able to sue the other party if the other party is at-fault. But if it takes place in a tort state, an injured driver will eventually receive payment through the at-fault motorist’s liability policy if the facts of the incident support such action.
To access the full FAQ, readers can go to http://www.onlineautoinsurance.com/learn/
where visitors will also be able to start the comparison-shopping process by using the free quote-comparison generator.