Accidents on the road happen, and there will come a time when you need to file a claim with your auto insurance company. But the first thing you need to know is what type of claim you have to file. Because of the strict No-Fault law in Michigan, many claims here undergo a strict policy. Scenarios of physical damage and medical coverage may result to bigger claiming dilemmas, especially that everyone involve must pay to cover the mishap done.
The best way to start filing a claim is through your Michigan car insurance agent. They are especially helpful at times when you are unsure which claim needs to be filed. Whether you hit an animal on the road or damaged a property due to a slippery highway, it is important to understand which category does your situation applies to.
Essential Auto Insurance Coverage
One important coverage your auto insurance company should provide you is the Comprehensive Coverage. This protects you and your vehicle from various losses other than collision. Comprehensive coverage includes claims for theft, fire damage, windshield damage, storm damage and hitting an animal.
Collision coverage provides coverage for drivers involved in single vehicle accidents not involving an animal or accidents involving another vehicle. There are different types of collision coverage and this determines if one will have a deductible.
Property Protection Insurance (PPI) allows drivers to get a reimbursement from the at-fault driver’s auto insurance once it is proven that the car was parked when hit. The vehicle can be fully restored and you can be provided with car rental coverage in this claim.
Injury claims allow policyholders to be covered completely. Depending on the insurance policy setup from your Michigan car insurance company, you may have a deductible. The good thing is, the MCCA expense is made so that drivers will be provided with no limits when it comes to medical costs.
Filing an insurance claim with your auto insurance company involves many inquiries. Some of the questions asked by companies are:
- Contact details of the policy holder
- Policy Number
- Time, date and location of the accident
- The type of vehicle involved in the accident
- Description of the situation
- Description of the damage
- Police report number