Uninsured Motorist Coverage – Conner Brothers Body Shop
Uninsured Motorist Coverage
Let’s say you are shopping at Chesterfield Towne Center or in the Martin’s Grocery Store and when you come out you see damage to your vehicle. You don’t remember having body damage on your car. No one left you a note, just the damage caused by someone else. What’s your first reaction? Major irritation I’m sure. First off, nobody enjoys having to make a trip to an auto body repair shop. Then thinking they have to file an auto body claim on their insurance, people get nervous and rightly so, almost every time you file a claim on your auto insurance, the insurance company raises your rates. But, you were in the store shopping and you didn’t cause these damages. Why would you have to pay for it? Here is a little talked about coverage everyone who has car insurance in Virginia enjoys. It’s called Uninsured Motorist Coverage. Everyone who buys car insurance in Virginia pays into the uninsured motorist fund. The State of Virginia defines this Uninsured Motorist Coverage as this… “The endorsement or provisions shall also provide for at least $20,000 coverage for damage or destruction of the property of the insured in any one accident but may provide an exclusion of the first $200 of the loss or damage where the loss or damage is a result of any one accident involving an unidentifiable owner or operator of an uninsured motor vehicle.” We are not lawyers but we see how folks can use this coverage every day, if they knew about it. Basically what happens when you file an auto body claim with this coverage, your deductible goes to $200. Even if you have a $2,000 deductible! And the claim does not go against your claims history.
But wait there is more…
It gets better, since you are now being viewed as a claimant, you get the opportunity to ride around in a rental car, even if you don’t have rental reimbursement on your policy. What is happening is that your insurance company is treating you like a claimant versus and insured. What a great way to get your car fixed and have very little money come out of your pocket. Contact us at any one of our convenient locations for more information about how to file an “Uninsured Motorist Insurance” claim. Whether you are in Bon Air, Midlothian, South Richmond, Chesterfield or Richmond City, we are here to help you with your auto body repair needs!