If your basic auto insurance just covers bodily injury and property damage then you usually cannot. It is meant to protect you from having to pay out when you damage another partied property or cause them injury.
Call your claims department. This is found on your auto id card or insurance paper work.
One should make an auto insurance claim after an accident right after the incident occurs. If you wait, witnesses might forget what happened or leave and injuries may not be documented well.
The auto insurance claim is when you make a request for an insurance company to pay for the damages to your car or another vehicle. The insurance company will then take your facts, compare them to a police report if available, look at the extent of damage on vehicles, among other things. Then they'll make determinations and issue checks from there.
The obvious answer is after an accident, theft or fire. http://activeinsurancecompany.co.uk/
If you need to file an auto insurance claim, you need to start by contacting your insurance company. It is important that you have all necessary information when filing a claim. If the claim is due to an accident, be sure to exchange license plate numbers, contact and insurance information with the other party. If a police report is filed, make sure you have the case number. Your insurance agent will then take you through the rest of the process.
Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.
Home and auto insurance prices are created by the insurance broker doing research on the probability of them having to make a claim, and the amount it would cost to repair or replace such insured article.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
When you insure a vehicle that you use for business purposes, make sure that you insure it under an authentic commercial auto insurance policy. A personal auto insurance policy will not cover many business uses of an automobile, and if you make a commercial auto insurance related claim that is not covered on your personal policy it will be denied. Therefore, when you buy or lease a car for business use, contact a commercial auto insurance broker if your general business insurance broker or provider cannot assist you with your commercial auto insurance needs.
You don't have to, but they may take the car back.
It all depends on the state the claim is filed. If a state does not have a set amount of time of the company to investigate and make a decision on a claim, they are required to do it in a "reasonable" amount of time, depending on what time of auto claim it is.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.