Claims

Basics

admin — Wed, 27 Feb 2019 06:41:28 +0000

Basics admin Wed, 02/27/2019 - 01:41

Glass repair alternatives

SIL6504 — Tue, 19 Jun 2018 16:03:02 +0000

Glass repair alternatives SIL6504 Tue, 06/19/2018 - 12:03

A rock hitting your windshield can be startling - and cause significant damage. The fact that you have to pay a deductible for a repair can discourage you from getting the "minor damage" repaired.

That "little chip" can grow from an eyesore into a visual impairment and safety hazard if not taken care of.

Here's the good news: State Auto will waive your deductible if you choose to have the damage repaired when it happens, rather than getting the entire windshield replaced if you have Other Than Collision coverage on your vehicle:

Technology has advanced to where structurally sound repairs are simple and effective.
Small, treatable cracks can be safely and quickly repaired.
Many glass replacement facilities can handle this repair with minimal downtime.
For auto glass only claims, call our State Auto Glass Service at 877-SA-CLAIM or submit your auto glass claim online.
Eligibility, coverages, and benefits may vary by state.

When you’re stuck on the side of the road

SIL6504 — Tue, 19 Jun 2018 15:16:57 +0000

When you’re stuck on the side of the road SIL6504 Tue, 06/19/2018 - 11:16

It's something we all try to avoid, but it could happen someday - you run out of gas or your vehicle breaks down for some reason while you're driving and you must pull off of to the side of the road. What to do? Here are some important things to keep in mind.

Think safety first

Pull over as far as you can from the side of the road, while staying on level ground.
If you can't pull off the road because your car is broken down, turn on your emergency flashers.
Determine the safest place to remain until the situation is resolved. If you're able to get away from traffic, it's safest to remain in your vehicle with the doors locked and windows almost closed.

Call for help/waiting for help

If you have a cell phone, use it to call AAA if you're a member, or 9-1-1 if you have no other options.
Emergency responders have flashing lights and can position their vehicles in a way to help protect everyone while a repair is being made.
Visibility is critical - turn on emergency flashers, or use flares.
Keep a reflective vest inside your car and wear it as needed.
Never stand behind or directly in front of your vehicle as other roadway users may have trouble seeing you.
Open the hood and tie a piece of bright fabric or something similar to your antenna.
Wait until help arrives.

How do I file a car insurance claim?

SIL6504 — Tue, 19 Jun 2018 15:15:07 +0000

How do I file a car insurance claim? SIL6504 Tue, 06/19/2018 - 11:15

You've just been in a car accident. On top of making sure everyone's okay (and hopefully they are), it can be overwhelming to remember what to do next.
So, where do you start? Below are some basic things to do first. We've also shared some questions to consider asking your insurance agent or claim representative.

When do I need file a car insurance claim?
Call your independent agent as soon as possible. This should be your next step after calling for emergency help (if needed), regardless of who is at fault if you're in a collision. If your vehicle is stolen or vandalized you should contact the police. Call your insurance agent or company even if damage appears to be minor, to find out if you are covered for this loss.

What do I need to file a car insurance claim?
You will need the following items:

Name
Policy number
Start and end date of the policy
Date and time of the incident
Name, addresses, and phone numbers of all drivers, passengers, and witnesses
Driver's license and license plate numbers for all drivers

Also, take note of any personal harm and take photos of the damage. You may need a sworn statement of the details of the accident and a proof of claim form. You will need a copy of the police report if there is one.

What are the steps to a car insurance claim?
Once you contact your insurance company, your case will go through the following steps.

Case assignment to a professional at State Auto who will work on your claim.
Discussion with your claims professional about your coverages and the situation. This is where you will give most of the information about your claim.
Evaluation by your claims professional. This can include inspecting your car, examining evidence of any injury claims, and the payment of your deductible.
Resolution of the case, including getting your car back in tip-top shape. You can even pick your own repair shop.
Closing of the case but, keep copies of your paperwork just in case you need to refer back to them.

What questions should I ask when filing a car insurance claim?
These are questions you may want to ask your insurance claim representative to clarify:

Does my policy have a time limit for filing claims and submitting bills?
Is there a time limit for resolving claims disputes?
If I need to submit additional information, is there a time limit?
When can I expect the insurance company to contact me?
Do I need to get repair estimates for the damage to my car?
Will my policy pay for a rental car while my car is being repaired; If so, how much?

Remember, each state has its own laws governing the claims process. If you have any questions, call your independent agent for more information.