Auto Insurance Claims Laguna Niguel California CA

Reader’s Question:

I am from Laguna Niguel, California. I usually parked my car on the road that is in front of my house. However, just yesterday it was hit. I am confused on what type of auto insurance coverage would pay for the damage on the car. Is this kind of accident be covered by my uninsured motorist coverage or not?

Elisa

Laguna Niguel, CA

I am sorry to hear that Elisa. I hope there was not too much damage on your car.

Going back to your question, from what I know, this kind of auto insurance claims would fall under comprehensive policy. This policy pays for damages made on your vehicle that resulted from non-related collision accident like for example fire, windstorm, theft, hail, etc. On the other hand, uninsured motorist coverage pays for the damage if you got into an accident with another driver who is not insured or does not have sufficient auto insurance.

I would suggest you contact your auto insurance agent as soon as possible to inform your insurer of this accident. Your car insurance company would send its claims adjuster who would determine on the damages made on your car and the loss that would be covered by your insurer.

Tags: auto insurance, car insurance claims, car insurance tips