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If you need to make a claim, you should first
contact your Agent, who will collect all of the necessary
information from you to start the claim. You should receive some
forms in the mail requesting additional information from you by
your Insurance Company.
When Can
I Expect Payment If I Make A Claim?
The sooner you provide all of the necessary
information to the insurance company, the sooner your claim will
be processed. Make sure that you provide as much information as
possible to speed the process along. Depending on the Complexity
of your claim circumstances, you can expect your claim process to
take from 6 weeks to 6 months. If you have any questions regarding
your claim that is in progress, you should call your Claims
adjuster at the Insurance Company.
As a result of a loss, you premium may be
increased depending on whether or not you were at fault in the
accident. This will be determined by your claims adjuster upon
completion of their investigation into your claim.
Your insurance company offers many discounts which
you may be eligible for if you meet one of the following criteria:
Prior
Insurance
-
You must be able to prove up to 5 yrs of previous insurance.
Multi-Car Discounts
- If you have more than one car on your policy. Both of the
primary drivers must live in the same household.
Professional Discounts -
If you are a Teacher, Engineer or Scientist
registered by the state.
Mature Driver -
You are considered a mature driver if you are over the age of 55 and
have taken the mature driver course with the DMV.
Good Student -
If you are a full-time student ( attend school at least 12 hrs per
week) and can prove that you have attained a Grade Point Average of
3.0 or higher on your most current report card.
Multi Policy Discount -
Some companies will provide an additional discount if you have more
than one policy in force with them.
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Does
my insurance policy include Rental car coverage?
Yes! In most cases your insurance policy
will cover you to drive a rental car. It is not necessary for you to
purchase additional insurance from the rental car company when you
rent a vehicle.
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What
should I do if I buy a new vehicle?
If you have just purchased a new vehicle, you
should notify your insurance agent as soon as possible. Your
insurance agent will need the following information:
- Year of manufacture.
- Make and Model of vehicle.
- Color.
- Lien Holder
(company that provided your
loan if any).
Cost of Vehicle.
Did you trade or sell your old vehicle.
Vehicle Identification Number
Odometer reading
Primary vehicle operator
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The
Dealership requires that I have insurance before I drive my new car
home. Does my existing policy cover me?
If you have just purchased a new vehicle, your
existing auto insurance policy will cover you to drive the vehicle,
however you must inform your insurance agent of the purchase as soon
as possible.
(see
previous question)
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If you have auto insurance with Mercury Insurance
group, a program known as CARS is available to you. CARS (Customer
Authorized Repair Service) is a program that has been designed by
Mercury Insurance group, to reduce the time that you are without
your vehicle, and ensure Customer
Satisfaction. Approved Auto Body repair shops have been
pre-selected, and are inspected by Quality Control specialists
appointed by Mercury in many areas of the country. Repairs performed
at a CARS approved shop are guaranteed
by Mercury Insurance for as long as you own the vehicle.
If you do not wish to have your vehicle repaired
at a CARS approved shop or you do not have Auto Insurance with
Mercury Insurance Group, you can take your vehicle to any other Auto
Repair shop of your choice.
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What does
renters insurance cover?
Renters Insurance covers Personal property. It
also includes loss of use and personal liability to specified
limits.
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What
does my Home Owners insurance cover?
Home Owners covers the structure, attached
structures, personal property, loss of use and personal liability to
specified limits.
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What
does my boat insurance cover?
Boat Insurance covers the vessel, personal liability
to specified limits.
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What
is Umbrella Insurance?
An umbrella policy extends the limits of liability
over personal autos, homes and recreational vehicles to specified
limits.
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What
items
can I insure as a Valuable property?
Items such as Jewelry, watches, paintings, and
almost anything that you consider valuable. These can be endorsed to
a home, condo or renters policy at additional premium.
*Note companies will require a current appraisal on
valuable property endorsed onto policy.
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