Many family don't cognize their rights and obligations concerning their Car insurance claims.
Auto insurance claims can be time consuming and stressful. Since filing a claim is not something that most people have to do very often (and it's something that everyone hopes to never have to do), most people don't know their rights and obligations. Without this right, as stated by autoinsuranceremedy.com, insurance companies could simply refuse to pay money to their policyholders when those holders file a claim, no matter how legitimate.
Repairs
A contested right that an auto insurance policyholder has is where to get a vehicle repaired. Many insurance companies will have a specified list of auto repair shops that their customers are allowed to use (similar to how medical insurance may require you to go to a certain doctor).There are two different types of filings: first party (when you're filing to your own insurance company), and third party (when you're filing to someone else's company, because they did the damage to your car). This article covers first party obligations.
Benefits
If you pay your auto insurance premium in full and on time, then you have a right to all the benefits described in your policy.Some states have altered this power and, in these states, the insurance holder may get the repairs done wherever they want. However, if the selected garage charges more than the garage the provider would have chosen, then the insurance holder may have to pay the difference.
Appraisal
Another right policyholders have when filing an auto insurance claim is the right to an appraisal. If the insurance company offers you less than you think the damages to your car are worth, then you may request an appraisal. This means that an appraiser of your choice and an appraiser of the insurer's choice will view the damages to your vehicle and then come to a conclusion about what those damages are worth. This process isn't something that you can do multiple times for the same damages however, and the appraisers' decision is usually final.
