After working a long and hectic day, you reach the usual parking spot where you park your car every day. But your car is nowhere to be found! You turn your head all around and frantically look asking every person passing by if they have seen your shiny black sedan. But in vain go all your efforts. When you get some sense into your head you dial 911 for assistance. When the police arrive, all sorts of questions start pouring in. But what is the surety that your highly cherished expensive car insurance would come back to you safely or not?
Comprehensive Auto Insurance
Now consider the same situation with the exception of having
comprehensive car insurance.
Your chances of receiving, become very bright when you have your car covered
comprehensively. How does insurance replace your car when it’s stolen? There is
a whole set of claim procedure that you must go through to get back your stolen
vehicle.
First and Foremost
First and foremost, a complaint must be filed at police
station regarding the theft of your vehicle. Similarly, you must immediately
contact either the agent through which you purchased your policy or the
customer service center of your insurance carrier to inform of the stolen
vehicle. In most cases the time period to recover stolen car is thirty days as
it requires time to find a stolen car. Once you have contacted the insurance
company it shall begin its detailed investigation. As per the standard
operating procedure, you will have to give recorded statements in the presence
of the claim adjuster. You must bear in mind that the whole lot of all sorts of
questions that you will be asked are only going to help you find your car.
Hence you must not feel offended or take any of the questions personally rather
take it as professional duty of the company representative. The claim adjuster
also has to ensure that the claim is an authentic one and not a fraudulent one.
So he has to perform his duty. Other than that, usual questions shall be asked
such as date and time when the incident took place, details of police report,
place where the theft took place and the details of the stolen car such as its
model, make, year and how much it was driven.
Car Insurance Total Loss Claim in Texas
A total loss claim is when you and the claim adjuster
mutually agree at a value of your vehicle which is based on the current value
minus the deductible. An agreement would be formed between you and your company
and respective payment shall be made for your stolen vehicle. If your vehicle
is found later you will not have any rights over it instead it will be under
the ownership of the insurance company. However, if you want it back you can
work out things with your insurance company.
If your vehicle is recovered but with damages, you will not have to
worry for its repairs for they will be covered under comprehensive car insurance.
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