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In Case of an Accident
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Insurance Claims Process
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Choosing a Repair Service
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FAQs
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Accidents
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Contacting Insurance
As soon as possible after any accident, you should contact your insurance company or agent. You should be aware that your insurance company may record your telephone call or verbal report of what happened, and you should always request a written transcript of your statement for your personal records. Your insurance company must provide this transcript to you upon request and without charge.
It may take your insurance company/agent several days to get back to you with a claim number. The claim number is very important: Be sure to write it down, and repeat it back to the agent to verify that you copied it correctly. If your insurance company takes longer than a week to assign a claim number, or is not forthcoming on the reasons for the delay, you may wish to consult an attorney to further protect your rights.
Reputable collision repair facilities will require a claim number to begin repair of your vehicle. Be wary of companies offering to begin repairs without the proper paperwork.
It is not advisable to accept a settlement check from your insurance company or the insurance company of another driver involved the accident, until you are certain that it covers all the necessary repairs to your vehicle. If you are being pressured by an insurance company to settle prior to receipt of detailed repair estimates, you may wish to consult an attorney.
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Uninsured Motorists
Even though Washington State laws and the laws of many other states prohibit driving a vehicle without auto insurance, people do drive without insurance every day. If you are involved in an accident with an uninsured motorist and they are at fault, your only recourse for liability and payment is legal action, a costly and time-consuming alternative.
In the meantime, any repairs to your vehicle, the need for rental or loaner cars, and other expenses will be something you will have to pay out of personal funds and hope to recoup later.
The best advice-make sure you have Uninsured Motorist Coverage for every vehicle listed on your automobile insurance policy. Uninsured Motorist Coverage provides policy coverage for both personal injuries and property damage. The cost of this coverage is minimal and the peace of mind it provides is invaluable.
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CITY EAST
(509) 924-3825 2512 North Woodruff Rd. (East of Argonne Village) Click for Map
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