Before it is necessary to file an AAA auto insurance claim it is important to know the limits of your policy and what damages will be covered. You also want to make sure the coverage amounts you choose not only meet the requirements of your state but also help reduce the amount of any personal liability you might incur in the event of an accident.
Review Your Auto Policy
One of the easiest ways to discover the damage limitations of your insurance policy is to read over it as soon as you receive it. It is never financially feasible to wait until you need to file an AAA auto insurance claim to check your coverage because then it is too late to change any deficiencies in your policy limitations. Although state laws control the minimum liability coverage a policy holder must carry, these limits are seldom sufficient to prevent financial chaos if you should cause serious injury to another person because of your negligence. You should only use the minimum requirements as a guideline; depend upon your insurance agent to provide more current recommendations.
Securing your Rights under Your Auto Policy
Sometimes your auto policy will have exclusions; you should make yourself aware of these limitations before you are faced with any incidents. For instance, some policies will only cover actual damages to property rather than potential loss such as damage you may do to someone’s grass or foliage. It is difficult to determine the potential loss of a tree, for example, especially if the accident does not limit the lifespan of the tree. However, if your policy does not specifically exclude property that is damaged but still useable, you have a right to expect the insurance company to reimburse you for any portion of that property that you or another person damages under the terms of your auto insurance policy.
Choosing an Attorney
If you feel your rights are not being protected under the terms of your auto insurance policy you should consult with an attorney. You want to make sure you provide as much information as possible so your attorney knows how to proceed with your case. Even if you are responsible for the damage to someone else’s property or cause personal injury your lawyer can help you reach an equitable agreement and help you reduce the amount of financial liability you might otherwise incur.
