Must Have Insurance Coverage

by Administrator 25. October 2021 10:19

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Understanding Total Loss Replacement Cost

by Administrator 23. August 2021 10:16

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Comprehension Coverage VS Collision Coverage

by Administrator 16. April 2021 09:59

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Points To Consider When Filing An Insurance Claim

by Administrator 29. January 2021 06:50

Filing an insurance claim involves requesting an insurance company for monetary compensation to cover expenses and repairs incurred due to an event covered by the insurance policy. The process of filing an insurance claim entails necessary paperwork and procedures involved to cover the losses in question. The steps for claiming an insurance policy will depend on the type of insurance coverage purchased.

Listed below are some points to be kept in mind when filing an insurance claim:

  • Report Event: On the occurrence of an untoward event, it is recommended to immediately call the police. This is a good place to start as the police report will also serve as an exact documentation of the event and help in simplifying the insurance process.
  • Document The Event: Irrespective of whether the police arrive or not, you must document the scene of accident and note down details such as insurance policy numbers, names, addresses, phone numbers, vehicle model, license plate number, photos, physician reports in case of a medical emergency and more.
  • Call The Insurance Company: Next, get in touch with your insurance agent and ask for details on your course of action. Ask about the duration within which you should file a claim, whom to report the claim to and the requirements of doing so.
  • Filing The Claim: Once you have contacted the right people and collected all the information you need, you can proceed towards filing the claim. This can be done through a variety of mediums depending on whether it is approved by your insurance company or not. You can choose to file an insurance claim online, by phone, via email, fax or an app.
  • What Next: Once you have filed the insurance claim, you should expect an adjuster to visit the site of accident and assess the amount of damage. The adjustor will then come up with an amount that he deems fit to be compensated by the insurance company.
  • Consult An Expert: Talking to a professional is a smart thing to do in such cases as he will provide the right guidance regarding documents, forms to be filled and also recommend a legal assistant for legal formalities.
  • Duration: The amount of time taken by an insurance company to decide the amount of settlement will depend on the extent of damages, appointment of an adjustor, an appropriate amount agreed upon by you and the company and the state law.
Shawn Camp Insurance Agency, Inc. offers a streamlined claims process to its customers in Killeen, TX. The customers can contact the agents for understanding the claims filing process. For more details on steps involved in filing insurance claim in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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Understanding Insurance Coverage Types In Killeen, TX

by Administrator 26. November 2020 14:21

Insurance coverage refers to the amount of risk/liability that an individual or entity can be protected from and offered compensation for, by an insurer in the form of an insurance plan. There are various types of insurance coverage to choose from, depending on your budget and personal requirement.

Listed below are types of insurance coverage offered in Killeen, TX:

Auto Insurance:

  • Bodily Injury and Property Damage Liability: The insurance coverage provides compensation for medical bills and damages caused to a person on the insured person’s property.
  • Comprehensive Auto Insurance Coverage: Covers damage to vehicles by incidents excluding accidents (vandalism, theft, fire, animal strike, weather damage, riots, etc). It provides compensation for repairs and replacements to a car/vehicle.
  • Collision Auto Insurance Coverage: Pays for damages to a vehicle due to collision with a vehicle or object such as a stationary object, pole, a car, etc.
  • Uninsured/Underinsured Motorist Coverage: Uninsured Motorist coverage covers expenses (lost wages, medical bills) due to an accident with an uninsured person whereas the latter provides compensation for property damage and medical costs that exceed the coverage limits of the person at fault.
  • Loan/Lease Payoff Coverage (Gap Insurance): Covers leased vehicles that are stolen but not recovered.
  • Medical Payments Coverage: Covers expenses on medical treatment of the injured party within 3 years of the accident.
  • Custom Parts and Equipment/Accessory Coverage: Covers auto equipment, accessories and devices that are permanently attached to a vehicle up to a basic limit but additional coverage can be purchased.
  • Rental Reimbursement: Coverage for a rental vehicle’s damage in an accident.
  • Pet injury Coverage: Provides compensation for a pet injured due to an auto accident.
  • Roadside Assistance: Covers mechanical breakdown, flat tire, lockout, insufficient fuel/gas supply, entrapment (in snow, water, sand or mud), and a dead battery.
Home Insurance: This insurance coverage includes compensation for loss of use, medical payments, personal liability and damage to the dwelling, personal property and other structures.

RV Insurance: This includes recreational vehicles such as motor homes, motor coaches, camper vans and travel trailers and the companions and valuables in the vehicles.

Motorcycle Insurance: This insurance covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured and underinsured motorist coverage, medical payments, custom parts and equipment and roadside assistance.

Boat insurance: Includes sailboat insurance, jet boat insurance, boat insurance, house boat insurance, personal watercraft insurance and fishing boat insurance

Shawn Camp Insurance Agency, Inc. offers a wide variety of insurance coverage options in Killeen, TX. The customers can choose from auto insurance, homeowner’s insurance, motorcycle insurance, boat insurance, and RV insurance. For more details on insurance coverage types in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

 

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by Administrator 24. October 2020 07:26

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