No one is ever looking for an auto accident and it is very important that you take the time to understand your auto policy and insurance terms. Understanding your policy can be the difference between having the right coverage and large out of pocked expenses.
Meet with your auto insurance agent and review your current policy to avoid future problems.
From an auto body shop standpoint, we see a lot of cases where people found out too late that they did not have the proper coverage. Know what you’ve got! Ask questions! If your agent is not helpful, we can recommend an agent who will take the time to audit your policy and answer your questions.
Here are some common auto insurance terms that you should be familiar with. Click a term to see the definition.
Car Insurance Lingo
A Claimant is any person making a claim against the insurance company. You could be the Claimant and the Insured if it’s your policy or just the Claimant if you are filing a claim against another person’s policy.
This is mandatory in California and covers the other party if you are at fault in an accident. This does not provide coverage for your own car.
For more in-depth insurance information, visit the California Department of Insurance’s Website at www.insurance.ca.gov.