While it’s a requirement to carry auto insurance in order to drive in California, you’re not necessarily required to know every detail of your policy. However, there are some pieces of information that you’ll want to know (or know where to find) in the unfortunate event that you’re involved in a significant accident. Here are the facts that you’ll want at your fingertips when you’ve had a car accident:
Know-How Much Your Deductible Is
Deductibles are easy to overlook when you’re shopping around for auto insurance quotes in Santa Ana. Even if you’re tempted to ignore it, make sure that you pick a deductible that you know you can pay if you need to. Also, make sure that you have a copy of your policy on file in case you forget what your deductible is. When you have an accident, you can expect to pay your deductible first before your insurance kicks in to help you, so be prepared and informed about what you’ll be paying.
Know Who to Contact When You’ve Had an Accident
Some insurance companies will have your agent’s number printed on the back of your insurance card, but other companies may not. No matter what your insurance cards look like, make sure that you have the contact information for the person you’ll need to call in case you’re involved in an accident. Additionally, try to find out exactly what information your insurance company will need from you if you have an accident. If you wait until you actually experience a car accident to find this information, you may forget to get the information you need in the moment and in the midst of the chaos that often follows a collision.
Know Whether or Not You Have Rental Coverage
After an accident, your car will most likely need to go into the mechanic for some repairs. In this situation, make sure that you know whether your auto insurance in Santa Ana covers a rental car for you. If your policy covers a rental car, you can look forward to having a vehicle to get you from place to place while your car is repaired. You’ll be entitled to a car that’s similar to the one you own so you don’t have to be drastically inconvenienced by an accident.