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Comprehensive Car Insurance Claim Process in San Jose

If you are involved in a car accident in San Jose city, you should know what are the most important things to be done file a car insurance claim. Find more details regarding filing your claim for your car insurance in San Jose city.

AutoInsuranceInSanJoseFirst of all, if you need to file a claim to your insurance agency you should know that the carrier must acknowledge the receipt of your claim within a maximum of 15 days. You will be then allowed to conduct their investigation over a period of 40 days to accept or deny your claim in whole or in part. Be prepared to be asked for documentation of your injuries, evidences of your medical expenses and so on. After your situation being analyzed with the final decision made, your provider has 30 days to tender the payment.

Furthermore, pay attention to the responses below to know about the application submission procedure as much as possible.

If a traffic collision occurs, you will be needed to file a claim to your insurance agency. Should you file also a police report as well? Usually, you will not be required to file an additional police report. If your car was not damaged by a hit-and-run vehicle, if it was not stolen or you were involved in a light car accident instead, you may also establish an amicable settlement with the other involved party. However, if the accident caused bodily injuries to the occupants of cars involved in the accident or if the collision also implied a pedestrian, it’s desirable to report it to the police.

When will your car be invested? It depends on your car location. But it will usually be inspected within 3 to 5 days from the accident day. The payment can be arranged only after an appropriate appraiser inspects your damaged car.

What should you do if you were involved in a car accident as the non-guilty part? To avoid any expenses, it is advisable for you to file a claim against the other driver’s insurance company approved by the DMV as well.

What if the repair costs are higher than estimated? Will replacement parts to be used in order to repair your damaged car? First of all, if actual repair costs are higher than the estimated ones, the body shop representatives should call your insurance company and request for the additional amount of money to be able to repair all damages of your vehicle. If the carrier agrees on this, an additional payment will be issued. Secondly, if there are no available quality recycled parts, new original or after-market parts will be used in order to repair your car’ damages.

How can you benefit from the Guaranteed Repair Shop? The GRS is a guaranteed repair shop agreed by your provider of car insurance in San Jose which will perform both estimates and repair of the damaged vehicles. The reparations are guaranteed as long as you’re the owner of the vehicle involved in the car accident.

These are the most important things you should need to know when you file a claim in case of a car accident.

Enter you zip code here, check auto insurance quotes in San Jose, and compare different related claim conditions for every carrier you’re interested of.

How to Shop for Auto Insurance Quotes in San Jose at Lower Cost and Premium?

When signing new auto insurance, you should ask yourself what you could do in order to obtain a lower rate. While there are some particular factors and conditions which you can fulfil in order to receive better car insurance quotes in San Jose, there are some particular aspects related to your insurance company.

You should know that renewing your old auto policy with the same carrier approved by DMV could bring you a special discount. Insurance companies will really appreciate your loyalty and you can end up with a high discount of 10% of the initial price needed to be paid in order to purchase that policy. Therefore, if there is no particular reason to change your policy provider try to stay loyal to the same company for as long as possible. The fidelity bonus will increase more and more, every time you will renew your policy.

Concerning the multicar policy, this would be another benefit that your insurance company will provide you if you meet some particular requirements. If you or your family own more than one car, what you could do is to bring all the vehicles together under the same policy. This will qualify your for a multicar policy discount. You should know that multicar policy remains valid even if it was signed by both members of a married couple. If a divorce occurs, the two ex-partners may choose to keep together their car insurance related financial responsibilities in order to save some money.

Regarding the variety of insurances you are required to purchase during, you could choose to sign all your life, home, health and car policies with the same insurance company. This will bring you a quite high discount than having multiple policies purchased from different carriers. The more auto insurance policies you purchase from the same company the higher will be the bundled insurance discount you’ll receive.

Pay attention to your deductible amounts. Increasing your deductible (meaning the amount you’ll have to pay every time you’re involved in a car accident as a faulty-part) will lower your policy rate in the end. You should compare the two situations and you’ll get to see how much money you can save only by choosing to pay a higher deductible if it’s the case. Your insurance company will definitely agree to decrease your lower rate.

Finally, if you would like to pay your car insurance through an instalment plan, paying a high enough amounts in advance will definitely lower your policy’s rate. If you would like to purchase a 12 months car insurance policy through instalment plans, try to pay in advance a significant amount. You could pay an amount equivalent to 6-months instalments, the rest of the amount will be divided according to the predefined instalment plan. This solution will decrease your premium.

Try to benefit from all these factors to get cheap auto insurance. Enter you zip code now and get the most competitive car insurance quotes in San Jose.

What is the Pure Comparative Negligence Concept in the Case of Car Insurance San Jose?

Because San Jose follows the ‘fault’ system regarding traffic collisions and before you get car insurance quotes in San Jose, you should know the process in order to determine who is at fault if an accident occurs. If you are involved in a car accident, you would certainly like to cover all your damage costs and perhaps medical bills through car insurance company’s expenses. If you only have purchased the basic minimum coverage, you will need to repair your car and pay the medical bills by your own if you’re the faulty-part. But according to the California laws, the fault might be divided between the drivers involved in a car accident. If you are considered to be guilty in that accident but you consider that you are not totally to be blame with, you can file a lawsuit for car accident negligence against the other drivers involved in the incident. Assuming that there were 2 involved drivers, during the lawsuit both drivers will try to prove that he is not guilty and there was the other driver’s negligence as the cause of the collision. You can try to defend yourself with the witnesses, if there’s any.

During the lawsuit, there will be a use of the pure comparative negligence concept. Even if the driver who filed the lawsuit has a slightly fault, he will still recover the percentage he is not at fault from the defendant. This means that the fault will be spread in proportional or degrees fault. In this situation, you might end up with a fifty-fifty fault percentage or something similar to these (of course, these percentages are purely informative and will vary from one lawsuit to another depending with the given situations).

For example, if you are found at fault with a percentage of 30%, you will still be able to recover 70% of the total accident related expanses you made (medical bills, car’s reparation). You will receive this amount of money from the other driver’s car insurance company.

In case you are wondering which might be the negligence cases, where the percentage fault applies, you can find some examples below.

If you drive with a high speed, you might be accused of driving without enough care. But if you were about to cross a highlighted hazard zone, you might defend yourself for driving too fast because some of these zones are especially created to allow drivers to increase their vehicle’ speed.

Another situation could be if you’re charged by failing to pay attention. This usually happens if you are involved in a car accident with a construction vehicle when the other vehicle was not flagged as it is supposed to be.

There are plenty of examples of driver’s negligence like: intentional and reckless acts, illegal turn from a wrong lane, inappropriate use of vehicle’s brakes, failure in maintaining safe distance among vehicles involved in traffic, vehicle defect and the list could longer continue.

You could simply avoid these situations by purchasing collision coverage. In this case, even if you’re the faulty part your expenses will be covered by your insurance company.

To avoid uncomfortable situation, choose the appropriate auto insurance for your needs. You can check the best car insurance quotes in San Jose by entering your zip code here.