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Car Insurance Claims in California


The enormous rewards that the Web has to provide have prompted auto insurance companies advertising their policies on line. Initially, auto insurance was available just through a auto insurance agent. The method was tedious and time intensive and required enormous paperwork and checks. This factor only has made a multitude of people opt for on line auto insurance. Auto insurance companies now provide online services which make it very easy for customers to acquire data they may want. Auto insurance quotes and car insurance claims can be acquired or filed anytime of the day. On line auto insurance helps provide fun and spontaneous customer service, rather than delay on the cell phone line for a long time. Insurance companies are applying this method to sell auto insurance directly. Beginning online accounts having auto insurance companies is also appearing to be advantageous. In case customers misplace an insurance credit card it is feasible to simply obtain a printout of the primary copy. Auto insurance online accounts with present insurance vendor puts an end to storing loads of insurance paperwork. On line car insurance perhaps allows people to get updates and claim documents whenever needed.

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									Car Insurance Claims in California

By law, every driver is required to prove financial responsibility in case of a car accident.
There are several ways to do this: Make a cash deposit of $35,000 with the California
Dept. of Motor Vehicles; Get a self-insurance certificate also from the California DMV;
Obtain a $35,000 surety bond from a company licensed in California; and finally to
purchase car insurance coverage. Most people opt for the last option.

 For car insurance in California, the minimum liability requirements by the state is
represented by 15/30/5. The first two numbers refer to personal liability limits and the
third to property damage limit. This means that $15,000 is the limit per person per
accident and $30,000 is the limit for the coverage for all the persons involved per
accident. $5,000 is the limit for the coverage for the car/s involved. If the costs exceed
these numbers, then the person deemed responsible for the accident will have to pay
the difference in damages. Keeping the minimum requirements for an insurance policy
may be good if you are a safe driver, but an accident can occur at any time, and you
could end up paying dearly. Now you know why insurance companies often offer
policies exceeding the minimum requirements of the state. It is to increase the
coverage for claims when something unexpected happens. It is wise to consider all
options and consult a California insurance agency when shopping for a policy.

 If an accident does occur, your insurance company has 15 days to acknowledge your
claim and send you the forms necessary to process the claim. The insurance company
also has 40 days to either accept or deny your claim after it was filed. Once accepted,
the company has 30 days to settle the claim. You also have the freedom to choose the
repair shop where you can take your car; this is good because it allows you to shop and
compare repair costs and get the best service for your vehicle.

In some cases, it may happen that you and the insurance company may have a
dispute about the claim. For car insurance California, you can turn over your dispute
with your insurance company to a third party referred to as the mediator. The mediator
will work with both parties to try to reach an agreement.

 If the amount for the claim is at least $7,500 and the disputed amount between the two
parties exceeds $2,000 then you are eligible for mediation. Issues eligible for mediation
include the following: amounts of damage, methods of repair, and cost of total loss.
Issues not eligible for mediation include legal interpretations of the terms of the policy.
You will not have to pay for the cost of the mediation as it is the insurance company
that pays for it.

 Here is the mediation process in a nutshell for auto insurance in California: You must
file a complaint with the CDI (California Department of Insurance) who will notify the
insurance company that you will be referred to a mediator if no resolution is reached
within 28 days. Once you make the request to continue with the mediation, CDI will
appoint a mediator to handle your case. Then there will be a mediation conference
wherein both parties will strive to reach an agreement. If they agree they will sign a
settlement. Otherwise, you may take other options available to you if you still want to
continue with the dispute.

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