Getting car insurance is a very easy and straightforward process than most people think. Unlike other insurance like life or health insurance, it usually takes less than an hour for a person to be fully insured. Although many insurance companies appear to sell the same products with the same terms and conditions, they’re somewhat different in the way they work and operate. Therefore, you should check around carefully to ensure that you walk away with the right coverage every time. But how would you go about choosing the right coverage for you among the many companies around, and which car insurance company would issue you the quickest and most attractive insurance?…Read on to find out.
What Is Car Insurance?
Car insurance is nothing but a simple paper showing that you’ve entered an agreement with a certain insurance company. The insurance vows to protect you by providing financial support after you start paying an insurance premium to them. Insurance companies cover you from any financial loss incurred due to theft, accident, or complete car damage.
How Long Does it Take to Get Car Insurance?
If you have everything ready, you might be given your car insurance on the same date. It’s important to note that purchasing insurance through some agent could take longer than usual. But online is usually a very swift and easy process.
Also, you’ll first be asked for the following information so that your car insurance may be processed.
- Date of Birth
- Address Proof
- Driving License
- Vehicle Identification Number
Here’s an Easy Way to Get Car Insurance Online
#1 Receive Online Quote
Receiving quotes from different companies is the first step in getting the best car insurance online. This allows you to easily compare rates and find a great deal that’s within your budget every time. Simply submit the required information you’re asked for on-screen to get the online quotes.
#2 Choose the Best Fit for You
Once you’ve submitted all the essential details, a wide array of different results will be fetched and shown on screen so you may pick the quote that best matches your needs and goals.
#3 Get Insured
After you decide on the best quote, the next thing you need to do is proceed with the payment. That’s it, you’ve just paid for your first premium online!
How Long Does it Take to Get an Insurance Check From a Car Accident?
Although buying car insurance is quite a straightforward and easy process, getting an insurance check after someone gets into an accident is sometimes a very tricky affair. There are many factors that go into determining how long it would take for you to get car insurance money after an accident. For instance, if an accident was due to a driver’s negligence, the company is obliged to pay the specified insurance amount.
However, this payment won’t be made until you can actually prove that the accident occurred because of a driver’s negligence. And as you search for substantial evidence, you’d end up wasting a lot of time which would also delay your claim settlement process a great deal.
In such a situation, it would be best to hire a vehicle accident lawyer. Not only will a car accident lawyer help you in gathering new substantial evidence, but he or she will also ensure that you get a fair settlement from the insurance company. Before you receive any money, you’ll be sent a release form by the insurer for you to sign after which you should send the release to the insurance company in question.
Keep in mind, the insurance company only pays the amount of money that you both have agreed upon and nothing else. And if everything goes well, you’ll have to wait for about 4-6 weeks to collect your claim check.
How Long Does it Take to Get an Insurance Check for a Totaled Vehicle?
A totaled car is a vehicle that has been damaged beyond repair. The insurance company also agrees with this theory and may also decide a vehicle totaled if the cost to do repairs exceeds the value of the car. To get the claim for a totaled vehicle, you should seek both collision coverage and comprehensive coverage. The best thing about these policies is that payment is released within a few days once everything is finalized.
Benefits of having comprehensive and collision coverage:
This specific car policy is meant for vehicles that either usually disappears from theft, or get wrecked by any other incident besides a collision. In other words, comprehensive coverage allows you to file a claim when your vehicle is stolen or gets damaged because of some fire, tree fall, and so on.
This specific car policy covers you from the damage caused by collision with another vehicle. If your car collides with another vehicle and gets severely damaged, collision coverage is what you’d need to report the claim.
Specific Procedure Followed to Get an Insurance Check for a Totaled Vehicle is as Follows:
#1 First, report a claim.
#2 The insurer determines whether the vehicle is a total loss or could be repaired. If it’s repairable, the company estimates the costing based on repair costs.
#3 Both you and the insurance company finally agree upon the final price.
#4 If everything goes smoothly, all you have to do is fill in some little paperwork after which you should receive payments within a few days.
How Long Does it Take to Get a Vehicle Insurance Card?
Also known as Insurance Identification Card, insurance cards serve as documented proof to show that you actually have vehicle insurance. This card is usually sent to the specified registered address you used when applying for your policy, which can take about 5-10 business days.
An insurance card contains the following details:
- Personal Details
- Vehicle year and make
- Policy renewal dates
- Insurance policy number
- Insurance company name
How Can Someone Get an Insurance Card?
Insurance companies usually send these cards via mail, along with other important insurance details and declaration. You can also obtain this card by visiting the company’s website or contacting customer care.
Nowadays, getting car insurance is very easy and it would take less than an hour for a person to be insured. Hopefully, this handy guide has helped answer all the important questions you had about car insurance like—What is car insurance? How long does it take to get car insurance? How long does it take to get an insurance check from a car accident? And much more. We hope this particular article has also played a vital role in solving all your doubts.