The answers to these questions are not always the same. Most insurers conduct their own independent investigations, which take into account citations and/or tickets issued by law enforcement, and use that information to help determine who is responsible for the crash based on all the facts, not just who was ticketed at the scene. I am required to get at least three estimates from repair shops before my vehicle can begin to be repaired following a crash. Fact: Some insurers may request that you get multiple estimates but very few actually require this.And, there are some services available, like the service provided at Progressive's local concierge claims service centers, that give you the choice of having the insurance company manage the claims/repair process for you from start to finish — all you have to do is drop off the damaged car and, within minutes, can be on your way in a rental car assured that a quality body shop will get to work repairing your car quickly and that the repairs will be guaranteed. My insurance premium will always increase if I'm involved in an accident. It depends; your rate can increase, decrease and, sometimes, stay the same. When developing an auto insurance rate, insurers consider lots of information proven to be helpful in predicting someone's likelihood of being involved in a crash, including information about drivers (age, gender and marital status), driving history (tickets and accidents), and vehicles (year, make and model).
Following a crash, the information about the crash will be used in combination with a lot of other information about you, your car and your driving history; your rate may not always go up as a result. I'm always better off using a shop that can recoup my comprehensive or collision deductible for me (this is the amount I selected when I bought my policy and am required to pay first before the insurance company pays). You always have the opportunity to choose where you want your vehicle to be repaired. Know what options are available including the services and guarantees associated with each — while recouping your deductible may sound enticing in the short term you should also think about the future.
If I lend my car to someone and he or she crashes my car I'll always be covered by car insurance. Before you lend your car out, know two things: understand your coverages and what coverages the other driver has — if you don't have optional physical damage coverages and your friend crashes your car and he or she doesn't have physical damage coverage either, there will be no coverage to pay for the damage to your vehicle. If I buy a new car my auto insurance company automatically knows about it so my new car is covered. Fact: No.