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Insurance Claim Information

California Uninsured Motorist Coverage Description

save on your auto and home insurance multi policy discount California Uninsured Motorist Coverage Description
Uninsured Motorist Property Damage (UMPD), Collision Deductible Waiver (CDW) and Uninsured Motorist Bodily Injury (UMBI) are commonly purchased coverages; however, many customers do not really understand what their premium dollar is buying.  As producers, it can be challenging to explain the benefits and conditions that trigger these coverages.  This short explanation is not intended to replace the policy language or to consider all the possible coverage triggering events, rather it is offered as a simplified guide to help understand and explain these coverages to your valued customers.

Underwriting Self Certified Non-Fault Accidents


Claims Part 3: Preparation for and Response to an Accident

Claims Part 2: What happens after a claim is reported to an insurance company?

For a claimant, the claims process begins at the scene of the accident.  And while the obligations of the insurance company may begin at the same time, the company will be playing catch up since they are not even aware of the incident until they are provided with a notice of loss and can begin their investigation.  As a result, the company is at a disadvantage because they are not at the scene of the accident and have to gather their information after the fact and second hand from the parties involved and any witnesses.