What are my rights when filing a car insurance claim?
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 20, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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What are my rights when filing a car insurance claim?
This depends on whether you are claiming under a fault or no-fault case. If the accident was caused by someone else, you have the right to claim against that person’s insurance. Why would you want to do this? By claiming on the offending party’s insurance, you keep your insurance claim record clean and may request for No Claims Bonus.
You also have the right to ask for a service vehicle or payment for the lease of a rental while your car is in the shop. These are rights that an insurance company can question. They can challenge your claim on several points most especially on whether or not the accident was your fault. If it was, then you cannot make a claim against the other party’s insurance policy. The situation reverses. There is also a tedious process in many cases for claims with several documents that have to be submitted and verified by the insurance company and its adjuster. (For more information, read our “Car Accident Insurance“).
Finally, you have the right to a speedy resolution of your claim. Insurance companies cannot drag their feet when processing claims. They are under legal obligation to pay out the claim, deny it and explain why or resolve any dispute you may have with their decisions within a reasonable amount of time.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.