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Commonly
Asked Questions About the Claims Process
Q: What is the Deductible?
Q: What if the total damages are less than the deductible?
Q: Does the deductible apply even if I am not at fault in the
accident?
Q: Is there any way that I can recover the deductible?
Q: How long does it take to recover my deductible?
Q: What if my repairer says he cannot repair the damage for
the amount of the company's
estimate or if additional damage is discovered for which no allowance was made?
Q: Who will repair my car?
Q: What should I do if I am not happy with the way my car is
repaired?
Q: Why must the lien holder be included on my payment draft?
Q: What is betterment?
Q: Why is the repair shop named on my check?
Q: Who do I contact if I have other claim questions not
related to this estimate?
Q: What is the Deductible?
A: This is the amount that you have chosen, when you purchased
insurance, to be responsible. Your Insurance company will not cover this
amount. If you have a $200 deductible, and your vehicle
damages are $500, your insurance company will pay $300. You are
responsible for the first $200.
Q: What if the total damages are less
than the deductible?
A: No payment can be made by the insurance company because you agreed to
be responsible for any damages up to the amount of the deductible.
Q: Does the deductible apply even if I
am not at fault in the accident?
A: Not if the other vehicle owners insurance company pays. If
not then the deductible will be applied in all cases.
Q: Is there any way that I can recover
the deductible?
A: Yes. Subrogation by your insurance company may result in recovery of
your deductible, or small
claims court action can be taken.
Q: How long does it take to recover my
deductible?
A: Unfortunately, actions of another insurance company can not be controlled,
Your insurance company claims representative can assist.
Q: What if my repairer says he cannot
repair the damage for the amount of the company's estimate or if additional
damage is discovered for which no allowance was made?
A: A supervisor of the insurance adjuster that inspected the damages
should be notified for adjustment.
If the results are not acceptable a complaint should be made to the
New
York State Insurance
department. @ 212-602-0203 or 212-480-4693.
NY STATE
INSURANCE DEPARTMENT
Q: Who will repair my car?
A: You may choose any repair facility convenient for you.
Q: What should I do if I am not happy
with the way my car is repaired?
A: You should discuss the problem with the shop owner. If you are still
not satisfied, you may file a grievance with the Department of Motor
Vehicles @ 1800-342-5368 or 518-486-9748.
N.Y.S. D. M. V.
Q: Why must the lien holder be
included on my payment draft?
A: Both you and the lien holder are listed as payees in your insurance
policy as you both have a financial interest in the life of the vehicle.
Q: What is betterment?
A: This is the dollar amount taken off the new cost of certain parts,
which normally wear out, and are replaced during the life of the vehicle.
Q: Why is the repair shop named on
my check?
A: If you signed a "Direction to Pay" for the shop, their name
may be on the check.
Q: Who do I contact if I have other
claim questions not related to this estimate?
A: Call the claim representative at the insurance office.
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