Yes, if your auto policy has comprehensive coverage, you'll be covered for the loss after paying the amount of any glass deductible you've chosen. While many companies don't have a glass deductible, a glass deductible is allowed in Massachusetts. Having a deductible for eyeglasses generally reduces the cost of comprehensive coverage and generally reduces the total cost of the policy. However, this means that you will be responsible for paying for the repair or replacement of your windshield up to your deductible, which may end up being the full cost.
Your collision and comprehensive insurance covers you if a rented or borrowed private passenger car is damaged while you or a member of your family is driving it with the owner's permission. You or a member of your household are only covered if you rent or borrow a car in the United States or Canada. Yes, you must continue to pay your insurance premium, even if your vehicle is declared a total loss, until you return your license plates to the Motor Vehicle Registry. Your car policy doesn't end until you return the license plates to the Motor Vehicle Registry (you don't need to physically return the plates to the RMV; you can cancel them online on the RMV website).
If you don't have your license plates because your car was stolen or because your car and license plates were destroyed in a fire, you should go to the nearest Motor Vehicle Registry office and get a lost or stolen license plate receipt. You must give the receipt to your insurance company to cancel your policy and stop paying your premium. They can deny a claim if some of the information in your request is false. The most important thing you can do to protect yourself from a claim being denied is to ensure that all the information you provide to your insurance company is complete and accurate.
In some cases, discussing the reasons for a denial can be quite simple. If the insurance company claims that the person or vehicle wasn't covered, that could be quickly fixed with a careful review of the policy. It could simply be a matter of correcting or supplementing inaccurate or incomplete information. In Massachusetts, there is generally a 3-year statute of limitations for filing a personal injury lawsuit.
The statute of limitations may be shorter, so it's important to talk to an attorney right away. In the case of any personal injury, there is always the possibility of a shorter statute of limitations or a notice provision that requires immediate action to preserve your right to file a claim. This is because not all injuries happen right away. You could develop problems much later after the accident.
A car accident is stressful, but it can turn into an even bigger headache if the car insurance company denies your claim. Without valid insurance in place at the time of an accident or claimable event, the insurance company cannot afford any coverage. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees, and charges) and policy obligations are the sole responsibility of the insurance insurer. In some cases, a claim may even be denied due to bad faith or a misrepresentation of the facts, so it's important to be truthful and accurate with your car insurance company when filing your claim.
However, the insurer is not obliged to continue paying for the rental car after an offer to resolve your claim. If your stolen car insurance claim is denied, one of the most important steps you can take is to contact an experienced lawyer who handles these types of issues. If someone causes an accident with you, provides false insurance information, or goes on the run, finding the right insurance details can be difficult or impossible. It doesn't matter if you previously had insurance for a stolen vehicle, if you haven't paid your premiums and let the policy expire, you could be struggling with the full cost of your stolen car, without any help from your insurance company.
If the damage to your car affects how it can be safely driven, the insurance company will pay for the repair with an OEM part. Depending on the type of loss, your car insurer might have a legitimate reason to do so, but that may not always be the case. If you or someone on your behalf provides false, misleading, misleading, or incomplete information in any request and if that information increases the insurance company's risk of loss, your company may refuse to pay claims under some or all of the policy's optional insurance coverages. The first step in determining the validity of a denied car insurance claim is to understand the denial letter of the claim and the reason why an auto insurance company decided not to make the payment.
If you don't agree with the full amount of the loss offered to you, you can try to negotiate a larger settlement amount with the insurer by providing supporting documentation to support your statement that the actual cash value of your vehicle is greater than the amount offered by the insurer. After analyzing the facts provided, the appraiser will determine if the auto insurance claim will be denied or accepted or not. .