Did Towing Damage Your Car?

Did Towing damage your Car?Instances such as your vehicle in no parking zone, violation committed, caused an accident, your vehicle is immobile and needs a repair or mechanic to look upon. For all the above, towing comes as a rescue. But what when a towing process itself damages your car? Do you have to bare the expenses? Will your car insurance company pay for it? Many questions, answered below.

Usually, few car insurance companies accept such damages under their collision coverage, if the insurer has opted for collision coverage. It generally covers any damage which occurs to your vehicle due to collision, caused either by another vehicle or object. But the collision coverage is a deductible where deductible is that amount which you as an insurer will have to pay out of your own pocket much before your insurance company hops in.

To Do!

When you are at the towing company to pick your vehicle or as soon as it is dropped by towing truck into a mechanic shop or service station, check thoroughly for:

  • scratches
  • tires if deflated
  • dents
  • worn out paint
  • any trouble with alignment of car

Take pictures immediately or a video if in case of any damage mentioned above. If possible collect some witness statements which can help you in making your claim process easy and quick.

Successful Claim

Every state and it’s municipal corporation has definite set of rules on how a towing process has to operate. As towing are independent operators, not all state municipalities agree for the claim, only few encourage the submission. Some times the towing company itself will agree in paying for the claims made. However, you will have to keep your car insurance company updated. If the towing company does not accept your claim then you can work through your car insurance company. You can file a complaint, raise a legal action to collect money for repair of the damaged. At times, the towing company will negotiate between the parties, your insurance company, truck operator, insurance company of towing company.

Shopping for Your Washington Car Insurance

Shopping for WA Car InsuranceAny car insurance policy is a legal contract and begins with declaration page. Every Washington car insurance has it’s own policy number, coverage limits, policy term and information about the insured and also a description of vehicles listed under your policy. Every car insurance policy is unique and has it’s own identification. Your Washington car insurance is a general agreement with a broad statement with all perils and risks covered listed under one form. This also has exclusions specific to events, states, policy types, forms and also circumstances which make them not be covered under your policy. If you have zero knowledge of insurance, the definitions make your concept of insurance clear and will avoid every misunderstanding.

Gather Information Before Shopping

Information you will need to gather before you set out for shopping are:

  • Make and model, built year of the vehicle.
  • Identification number of the vehicle.
  • Any bank or financial institution which financed for your car purchase, it’s details such as name and address.
  • Miles driven every year and the way vehicle is being used.
  • Primary driver and others if any driving the vehicle.
  • Percentage of time vehicle used by each to be covered driver, an estimation of it.
  • Any accidents or violations committed, it’s history.
  • Safety measures taken or installation of protective devices.

Specific Factors Affecting the Rate

  • Your driving record: more the tickets raised or violations committed, more will be the risk covered.
  • Your geographic territory: More claims made by urban than rural areas
  • Your gender and age: women have less accidents compared to male. Also certain age groups have had more claims.
  • Your marital status: lower rates on claims have been showed by married people.
  • Vehicle use: Annual mileage depending on car usage resulting in higher risk.
  • Make and model of your vehicle: More number of claims are made by sports or luxury cars.