Filing an auto insurance claim in Plano, TX can be confusing, especially if you don’t know very much about your policy. Paragon Independent Insurance Agency is here to provide you with a few common scenarios so you have an idea of when it’s appropriate to go through with the process.
1. When Another Party Is Involved
If you drive your car into a brick wall and you only damage your car, you might not file a car insurance claim if you have liability only. However, as soon as the collision involves someone else, you should file a claim with your insurance carrier. Even if the accident was minor, the repairs may end up being a bigger deal than you realize.
2. If Someone Was Injured
Similar to the above, if someone was injured during the accident, it’s vital to file a claim. It’s even more important to keep as many details as possible about the accident on hand. From written descriptions to photos, the more information, the easier it will be to determine the outcome of the situation.
3. When Your Car Is Stolen
Every policy differs, but theft is generally covered for most policies. If your car has been taken, you should file a claim with your insurance company alongside a police report in Plano, TX. You should consider getting a GPS tracker for your car to make it easier to track it down in the case it’s taken.
Paragon Independent Insurance Agency knows that policies aren’t always clear based on the language in your contract. If you have questions about when it’s appropriate to file a claim and what your policy covers, give us a call today to start the conversation before something happens instead of after.
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