Auto Owners Insurance Claims

Auto Owners Insurance is a well-known and reputable insurance company that has been providing coverage for drivers since 1916. Although they are considered one of the top insurance companies in the United States, it is critical to understand how their claims process works if you ever need to file a claim.

How to File an Auto Owners Insurance Claim

Filing a claim with Auto Owners Insurance can be done in several ways. You can either file a claim online, over the phone or through a local agent. Regardless of how you file the claim, you will need to provide specific information about the accident or incident that occurred. This information includes:

Once you have provided all the required information, the Auto Owners Insurance claims adjuster will begin the investigation process.

Investigating Your Claim

After filing a claim with Auto Owners Insurance, you can expect an adjuster to investigate your claim. This investigation can include gathering evidence, interviewing witnesses, and visiting the scene of the accident or incident. The adjuster may also request additional information from you, such as medical records, police reports, or repair estimates if your vehicle was damaged.

After the investigation is complete, the adjuster will provide you with their findings and determine whether or not your claim will be approved. If approved, they will provide you with a settlement offer to cover the damages or losses you suffered as a result of the accident or incident.

Settling Your Claim

If your claim is approved by Auto Owners Insurance, they will provide you with a settlement offer. This offer will include the amount of money they are willing to pay to cover your damages or losses. If you accept the settlement offer, you must sign a release form that waives your right to pursue any further action against Auto Owners Insurance for the same incident.

If you disagree with the settlement offer, you are entitled to negotiate with the adjuster or file an appeal. You can also seek legal advice from a personal injury attorney to represent your case and negotiate on your behalf.

FAQ

What Does Auto Owners Insurance Cover?

Auto Owners Insurance can provide coverage for several types of incidents, including:

• Accidents where you are at fault
• Accidents where the other driver is at fault
• Incidents of theft or vandalism
• Damaged caused by natural disasters, such as hail or flooding
• Personal injury claims

How Long Does It Take to Receive a Settlement Offer?

The time it takes to receive a settlement offer depends on the complexity of the case and the extent of damages or losses. Typically, Auto Owners Insurance will provide a settlement offer within 30 days of the investigation being completed.

Can I Choose My Own Repair Shop?

Yes, you can choose your own repair shop to fix your vehicle. However, keep in mind that Auto Owners Insurance may have certain requirements or restrictions when it comes to choosing a repair shop.

Do I Need to Pay a Deductible?

Whether or not you need to pay a deductible depends on the terms of your specific auto insurance policy. If you do need to pay a deductible, this amount will be specified in your policy.

What Are My Options if My Claim is Denied?

If your claim is denied by Auto Owners Insurance, you have several options. You can negotiate with the claims adjuster or file an appeal. You can also seek legal advice from a personal injury attorney to represent your case and negotiate on your behalf.

In conclusion, filing a claim with Auto Owners Insurance is a straightforward process. If you provide all the necessary information and cooperate with the claims adjuster, you can expect a fair settlement offer. Remember to read your insurance policy carefully to understand your coverage and any restrictions or requirements it may have.