At Oliver Insurance, serving the Canby, OR area, we understand that navigating auto insurance can be confusing and intimidating. That’s why we’re here to give you a crash course in understanding auto insurance coverage and claims.
Auto Insurance 101
When it comes to auto insurance, there are several important terms you’ll need to know before signing up for coverage:
- Liability coverage (which covers bodily injury and property damage caused by an at-fault driver).
- Collision coverage (which pays for repairs due to vehicle damage caused by accident).
- Comprehensive coverage (which pays for non-accident-related damages such as vandalism or theft).
- Uninsured/underinsured motorist coverage (which protects if someone without insurance causes an accident).
Breaking Down Coverage
When signing up for auto insurance, it’s essential to make sure you’re getting the right coverage for your needs. One way to do this is by breaking down coverage into three categories: liability, collision/comprehensive, and uninsured/underinsured motorist coverage.
- Liability coverage covers bodily injury and property damage caused by an at-fault driver.
- Collision coverage pays for repairs due to vehicle damage caused by accident, while comprehensive coverage pays for non-accident related damages such as vandalism or theft.
Lastly, uninsured/underinsured motorist coverage provides protection if someone without insurance causes an accident.
A Guide to Filing Auto Insurance Claims
First, ensure you’ve reported the incident to your local police department, no matter how small the damage or incident. Gather as much information as possible about the accident (witness names, contact info, photos of the scene).
Next, know your coverage and speak to your insurance provider about filing a claim. Document any conversations with your insurer and keep all paperwork related to the claim in one place.
Final Thoughts
At Oliver Insurance, we want to ensure you’re confident when understanding auto insurance coverage and claims. With this crash course under your belt, you can rest assured that you’ll be prepared for any auto insurance-related situation that may arise. If you have any questions about your Canby OR policy or want to switch providers, contact us today to learn more!
