Neff & Associates Auto Insurance

Auto Insurance allows you to live up to the responsibility of driving by providing a source for payment of expenses from damages or injuries caused by car accidents. The most important responsibility while driving is the safety of your yourself, your passengers, fellow drivers and your surroundings.

Auto insurance also protects the investment in your vehicle and offers a means to manage unexpected expenses due to an accident, vandalism or theft. After all, an accident is just that, an unplanned event.

Filing a Claim

Every year millions of consumers file claims with their insurance agents and insurance companies. The trauma of an auto accident or theft is stressful enough without having to worry about your insurance claim.

The following information is designed to help you understand the claims process. we will be there to guide you through the claims process and help you get answers to your questions.

Taking It To The Road

There are two basic types of claims. The first involves loss or damage to your automobile. The second type is a liability claim which arises when someone else suffers an injury or damage to their property because of something you did or did not do.

For example, if you run a stop sign and hit another vehicle, you could be liable for the damages to that vehicle and any injuries that may have occurred. Liability claims may result in a lawsuit against you. To cover these two key areas, most auto policies subdivide the coverage into the following categories:

• Auto liability covers damage to other people's property and injuries to the people.
• Collision covers damage to your own vehicle.
• Comprehensive coverage pays to repair damage to your car caused by fire, theft, vandalism, natural disaster or similar events.
• Medical payments, termed "good faith" coverage, guarantees immediate medical payments for you, your passengers and other parties involved in the accident, regardless of who is at fault. The point is to help someone who is injured get the necessary medical attention and deal with the issue of fault and insurance later.
• Uninsured and underinsured motorists coverages protect you if you are injured in an accident with others who themselves do not carry enough insurance or have no liability insurance.

That's It?

No. There are additional coverages such as towing and temporary replacement vehicles available for your auto insurance policy. In fact, just about any contingency can be covered by adding clauses and conditions known as endorsements or riders to a standard policy.

Call us today at (805) 773-1710 and we'll walk you through the process.