Coverage
Glass, theft, fire, animal, weather claims
What is comprehensive claims?
When the repair of a vehicle or vehicle part improves the condition and value of that property in comparison to its condition before the loss.
What is Betterment?
Statement about the accident
What is the facts of loss?
Replaces your car for a short time while your car is out of use due to its: breakdown, repair, servicing, damage, or theft.
What is a Temporary Substitute Car?
Damage to the vehicle beyond what is common or expected based on market area of the vehicle’s use, age, make, or model.
What is unrelated prior damage?
The act of recovering indemnity payments from the responsible party
What is Subrogation?
Based on the description of your damages we need to move your vehicle to a location that does not charge a storage fee to prevent any additional damages or expenses from being incurred. We will cover the cost of moving your vehicle.
What is an ETL/PTL?
Damage that requires duplicate operations to repair both the new loss damage and the prior damage.
What is related prior damage?
The person operating an insured vehicle at the time of an accident is not listed as a driver on the policy.
What is an undisclosed Driver?
Policy limits 25/750
What is theft comprehensive rental coverage limits?
Can be used when as an alternative to an estimate assist when the customer/repair facility is unable or unwilling to obtain/submit an estimate and/or vehicle photos?
What is WeGoLook?
Assigns personal responsibility for an accident or injury between parties
What is comparative negligence?
The actual transportation expenses or number of days vehicle was unavailable
What is LOU (loss of use) payment evaluation?
Can be used on an exception basis when all other service options have been exhausted in an Estimate Assist area/situation when an estimate and photos are needed. Can be used for 'other' vehicle types (RVs/ATVs/Motorcycles).
What are Independent Auto Appraisers (IAA)?
Provides the agent with an opportunity to settle certain Auto claims
Agents Draft Authority (ADA)
Max: $10,000