When you have been in a car accident, it makes sense that you’ll have lots on your mind. With the thoughts of repairing your car on your mind, the last thing you would want is lots of insurance jargon giving you a hard time. Always there to assist you in your time of need, your all-time auto collision shop, Five Star Autoplex- Auto Body Repair, has demystified the most commonly used insurance terms.
If your car is damaged by something out of your control, it is termed an act of God. Among these acts of God include volcanic eruptions, storms, forest fires, earthquakes, floods, and others. You should note that acts of God fall under comprehensive coverage and no liability or collision.
An additional interest is covered by the policy but is not the main insured party. For instance, when you lease a car, the leasing company becomes additional insurance on the policy.
This is simply the entity issuing the policy. The term carrier emanates from the fact that the insurer carries a risk for the insured person.
When the insured individual requests the carrier to honor the policy, this is called a claim. And the claimant is the person making a claim.
The protections and benefits in an insurance policy make up the coverage. Your insurance policy depends on the provisos of that specific policy, which implies that your coverage may be different from your friend’s, despite sharing a similar insurer.
Some states where the policyholders are paid by insurance companies regardless of fault in an auto accident. It doesn’t signify that the insurance company will pay for everything, but the policy will take effect when a covered accident occurs and not when there is proof of fault.
This principle is active in a few states. It basically means that there are times when drivers are in part to blame for accidents, and in such cases, they can still make partial claims. The neglect of all parties involved will be compared with the others, and the claim will check the percentage of culpability.
Only active in some states, this principle says that drivers who have even the slightest responsibility for an accident cannot make claims on their policies.
The deductible fee is a set amount that the covered party is liable to part with to cover damages before the insurance pays out the claim.
This is an amount paid by the insurer to settle a claim.
In the event your insurance firm tries to sway your mind to use the services of a specific auto repair shop to restore your vehicle, that’s known as steering. In the majority of states, vehicle owners are free to select the auto collision and repair center of their choice.
In case you are hunting for five-star auto collision and repair solutions, all you need is Five Star Autoplex- Auto Body Repair, and you’ll be good to go. Call us today and let us show you why we are the best in the business.
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