Why wouldn’t my insurance company pay my claim?
A loss must be covered on your insurance for a claim to be paid on your policy. Not all claims or types of damages, such as normal wear and tear and maintenance expense, are covered. For example, we wouldn’t pay to replace your 30-year-old roof or battery in your car because they have worn out from age. In addition, some coverages have limits, meaning we only pay up to a certain amount for a claim. Each case is handled individually by the claim department. Your insurance agent or claims representative can provide more information about your specific situation.
Why must I pay my deductible if the claim wasn’t my fault?
In your insurance contract, you agreed to pay the deductible amount if you have a claim. However, if you are not at fault and pay your deductible, you’ll be reimbursed the deductible amount as soon as the claim is settled and the other party or their insurance company pays the claim.
I’ve been in an accident and can’t drive my car. How much will you reimburse for my rental car?
When your car is not drivable because of an accident or other loss covered under your policy, General Casualty will reimburse you $20* per day for your transportation expenses, including rental car, bus or taxi fees. We provide this coverage until your vehicle is repaired or judged to be a total loss and the claim is settled. We do not pay these expenses for the entire 30-day maximum period unless it’s deemed necessary.
*Higher limits may be available for an additional fee (must be in effect prior to claim to provide coverage). See your agent for details.
I was just notified that the body shop is using aftermarket parts to repair my vehicle. What are these, and why are they using them?
Aftermarket auto parts are produced by companies other than the original equipment manufacturers. They offer a safe, quality, cost-effective alternative to manufacturer’s parts and are another way insurance companies keep your premium costs down. General Casualty’s guidelines for using aftermarket parts require that they are industry-certified, do not cause unusual delays for your vehicle repair, and are of equal or better quality than original parts.