![]() ![]() These can be used for injury claims for you and your passengers. In states without no-fault laws, PIP and a similar coverage called medical payments (MedPay) are often available. ![]() (Property damage claims can still usually be made on the other person’s liability insurance.) In many cases, there needs to be serious injury or death before you sue someone else for a car crash in a no-fault state. You can sue another driver only when you meet certain qualifications, which each state defines. These states require personal injury protection (PIP insurance) for this purpose. In states with no-fault insurance laws, you always make injury claims on your own insurance first. But in some cases, you might need to turn to your own auto insurance, even when someone else crashed into you. And when someone else has caused an accident, it’s natural to feel that they should pay for what they did. Using Your Own Insurance to Fix the Problemīut if insurance claims were simple, we could all feel like insurance experts. ![]() The insurer might want to investigate the accident to determine that their customer truly was at fault. The other person’s insurer will process the claim but don’t count on a quick payment. This is called a third-party claim: You’re the third party to the other driver and their insurance company. If someone else crashes into you, in the simplest scenario you’ll make a claim against their liability insurance. Making an Insurance Claim Against Someone Else About 3 million people are injured or killed in these car accidents, so there are a huge number of lawsuits and insurance claims every year. There are about 6 million crashes reported by police every year in the U.S., according to the National Highway Traffic Safety Administration. If Walker does make an insurance claim, she’s not alone. ![]() She’s frustrated enough to file a claim against the insurer of the car that hit her. That same driver was involved in another accident less than a month later which killed a pedestrian.Īmong the problems: She hasn’t yet received a settlement from any insurance company, she has no car and she still has to make loan payments on the Honda that’s now rusting in a recycling center. Walker considers herself lucky she wasn’t hurt. Little more than a week after she purchased her used 2006 Honda Civic, it was smashed and totaled by a hit-and-run driver who-according to the police report-zoomed through a red light. She proved it by navigating a school bus full of noisy and, occasionally, boisterous children on country roads and city streets for 22 years.īut even good drivers can have bad accidents. The GEICO Mobile app makes the claims process easy, while also helping you along the way.Christin Walker of Burlington, New Jersey, is a safe driver. File a claim in as little as 5 minutes with the GEICO Mobile app. To report a claim of any type by phone to one of our GEICO Insurance Agency partner companies, please refer to our list of contact numbers for claims assistance. (If you submit your claim later than 8:00 PM, we will usually call you the next morning. This examiner will also be able to answer any questions you may have. Once you complete the claim report we will send you a confirmation email, and you will be able to view and manage your claim right away.Ī GEICO claim examiner will call you to explain the next steps, confirm the details, and arrange for a GEICO auto damage adjuster to inspect your vehicle damage. While this information is helpful to have as soon as possible, you can still report your claim without it. Throughout the report we may ask you for additional information such as contact information for other parties, vehicle locations, property owner information, and police report details. To report your claim online, simply log in and select the type of claim you need to report. You can report your Auto, Motorcycle, Windshield/Glass, RV, ATV, or Mechanical Breakdown claim online and receive the same prompt, thorough, and courteous service that our customers receive over the phone. Reporting Your Claim Is Convenient, Easy, And Quick ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |