Most people who buy auto insurance have some complaints about their auto insurance company. Some of them blame the auto insurance company of late payments, less payments and even negligence. The customers grudge that their claims have been rejected often and the auto insurance company charges more than the amount charged on their neighbors and friends. They are paying too much for their repairs still and very less amount of it comes from the auto insurance company. All these complaints are in fact quite common and are caused by the customer’s ignorance.
The auto insurance companies are supposed to serve the customer as per their best capacity. And they do. But there are lots of legalities and precautions they must observe too. There is always a set procedure for meeting the claims filed by customers too. Failing to abide by the procedure can lead to rejection of the claim by the insurance companies.
You have to know the details about your auto insurance; you are going to need the details when you have to file the claims for some repair money. You have to know if your insurance covers the damages like vandalism, theft and extreme weather calamities. Most of the auto insurance doesn’t cover that and they don’t cover damages to the tires too. You have to pay the auto insurance company some extra amount to get it all covered.
You have to take care about deciding the correct coverage amount. A small coverage amount will be of no practical use to you. You have to keep in mind the expensive repairs you may need for your car. Most of the insurance companies can recommend a figure for your car. You can lower or raise the amount depending on your preferences. You also have to decide the deductible amount. It has to be low or you will be required to pay for the small damages yourself every time. These details should be covered before you buy the auto insurance. You can easily decide the premium amount you want to pay to the company.
Most companies won’t pay the insurance claims if they suspect some foul play being involved. If you are involved in a drink and driving accident chances are that your claims will be rejected. Also the description of the accident should be clearly detailed and not filled with lies.