Confused By Insurance Terms – Part 2

Following an auto collision, you can be overwhelmingly confused. This week we are doing a two-part series on insurance phrases that can help you feel more confident in making your initial insurance claim with your auto insurance company. Considering all the repairs and stuff that you’re facing, the last thing you need is a list of confusing insurance terms crowding your mind. To give you an easier time, your favorite auto collision center, Miracle Body and Paint, has assembled a list of insurance terms and broken them down for you. Read them over and then call us immediately if you’ve been involved in a collision. We can handle almost every detail of your insurance claim so you can get back to doing the things you love most in life.

Coverage

The coverage encompasses the stipulations and benefits in an insurance policy. Every part of the insurance policy hinges on the particular policy’s stipulations, meaning even if you share the same insurance with other persons, your coverage may not be similar to theirs.

No-Fault Insurance

In some states, insurance firms pay losses of their holders falling under the claims with no regard to their fault in case of a car collision. This isn’t an implication that the insurance will pay for everything but only when an accident that is covered occurs and not after establishing fault.

Comparative Negligence

This legal stipulation also applies to some states and implies that even when a motorist is partly to blame for a collision, they can still make a partial claim. The laxness of every party is weighed against the other parties, and the claim will hinge on the level of responsibility.

Contributory Negligence

This stipulation does not apply to all states, and it implies that drivers who have even a bit of fault cannot file claims on their policies.

Deductible

Policies encompass a set (deductible) amount to be paid by the covered individual to settle for damages prior to the insurance payout.

Loss

Loss is the money that an insurance company pays on a claim.

Steering

In case an insurance company attempts to influence you to use a particular repair center to repair your car, this is referred to as steering. In many states, steering is unlawful, and car owners are at liberty to choose their favorite auto body and collision shops.

If you are searching for top-of-the-range auto collision and repair services, you can count on Miracle Body and Paint to make it happen. Make a date with us, and you will love our services.

Call Us Today For A Free Estimate

Check back later this week for more of a breakdown and remember, you don’t have to face your insurance company alone. Call our collision repair center office in San Antonio to get help right away with your auto insurance claim. We have an entire team dedicated to handling these hard tasks for you so you don’t have to worry about a thing. Don’t forget to ask about our deductible discounts to save big on your out-of-pocket expenses.