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Wednesday, May 11, 2011

How To Make A Claim For Vandalism On A Car

By Lenore Rocamora

If your car has been damaged as a result of vandalism, you may be wondering what you can do. The rules with different California auto insurance may differ and could have you paying high deductible rates. Finding out what kind of policy you have may help you plan out your claim. While a damaged car may be hard to find, there are some ways to have it fixed without paying a dime.
The internet has made it very convenient and hassle free to do things online. Making a claim is no different and may be even easier as now applications are detailed and accurate. Not only can you contact an agent live for a claim, you can also do it online right from your home computer or phone.
If your policy does not have very good coverage for damage control, then you may want to shop around for a better deal. Luckily there are many companies available who have top deals when it comes to making claims against damage.
You may choose to have a high deductible or a low one when you look for new policy information. A low deductible typically means that a driver pays out more money each month. A higher amount in the event of a claim, could mean a lower payment. If your vehicle experienced some form of theft or damage, you may not have the funds to put out a high deductible. There are plans available that have low deductibles. Paying a bit more every month, could help you out if you have to call an agent about your claim.
The amount of money paid in the event of a claim, is something that is typically unexpected. A driver will not plan or expect that their car will be stolen, damaged or in an accident, that is why some people choose a lower amount.
If you are operating a vehicle that is old and not worth fixing, you can have a policy that only pays for the other driver's car in an accident. It would not cover against damage, theft or collision. Some people enjoy having low rates with just the minimum coverage.
If you have noticed that your car has been stolen or damaged you can simply contact your agency to file a claim. They may send someone out to view the damage or speak directly through an auto repair shop. Looking into the details of your policy could help you determine if it has the right protection and coverage for you.
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