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Commonly Asked Questions About the Claims Process

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Q: What is the Deductible?

A: This is the amount that you have chosen, when you purchased insurance, to be responsible. Your Insurance company will not cover this amount. If you have a $200 deductible, and your vehicle damages are $500, your insurance company will pay $300. You are responsible for the first $200.

Q: What if the total damages are less than the deductible?

A: No payment can be made by the insurance company because you agreed to be responsible for any damages up to the amount of the deductible.

Q: Does the deductible apply even if I am not at fault in the accident?

A: Not if the other vehicle owners insurance company pays. If not then the deductible will be applied in all cases.                                                                                                                  

Q: Is there any way that I can recover the deductible?

A: Yes. Subrogation by your insurance company may result in recovery of  your deductible, or small claims court action can be taken.

Q: How long does it take to recover my deductible?

A: Unfortunately, actions of another insurance company can not be controlled,  Your insurance company claims representative can assist.

Q: What if my repairer says he cannot repair the damage for the amount of the company's estimate or if additional damage is discovered for which no allowance was made?

A: A supervisor of the insurance adjuster that inspected the damages should be notified for adjustment. If the results are not acceptable a complaint should be made to the New York State  Insurance department. @ 212-602-0203  or 212-480-4693.        NY STATE INSURANCE DEPARTMENT

Q: Who will repair my car?

A: You may choose any repair facility convenient for you.

Q: What should I do if I am not happy with the way my car is repaired?

A: You should discuss the problem with the shop owner. If you are still not satisfied, you may file a grievance with the Department of Motor Vehicles @ 1800-342-5368 or 518-486-9748.      N.Y.S. D. M. V.

Q: Why must the lien holder be included on my payment draft?

A: Both you and the lien holder are listed as payees in your insurance policy as you both have a financial interest in the life of the vehicle.

Q: What is betterment?

A: This is the dollar amount taken off the new cost of certain parts, which normally wear out, and are replaced during the life of the vehicle.

Q: Why is the repair shop named on my check?

A: If you signed a "Direction to Pay" for the shop, their name may be on the check.

Q: Who do I contact if I have other claim questions not related to this estimate?

A: Call the claim representative at the insurance office.

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