Driveable Vehicles
If a customer has purchased Rental Reimbursement coverage prior to a claim, and if the insured's vehicle is drivable after a loss, it is important that the insured understands that coverage starts the day the vehicle is taken to the garage for repairs. The number of rental days is based on the repair hours calculated at the time of vehicle inspection, and is displayed on the Allstate repair estimate. The insured's vehicle should not be taken to the shop before all the parts have arrived and the shop is prepared to start the repairs. It is also recommended that repairs start on a Monday, so that exposure to weekend time is minimized. Many shops are not openseven days a week.
Total Loss
When a vehicle is declared a total loss due to a covered loss, it is important that the insured locates the title to the vehicle immediately. The insured should begin the search for a replacement vehicle as soon as the vehicle is declared a total loss. This will allow the insured to purchase the replacement vehicle within a day or two after receiving the settlement check.
Not Driveable, Repairable
When a vehicle is not drivable as a result of a loss, but is repairable, rental will be covered for the estimated repair time of the vehicle, including one to two days for parts to arrive and the time for an Auto Technician to inspect the vehicle
Friday, April 22, 2011
Friday, April 1, 2011
Thursday, March 24, 2011
New York State Announcement
ALBANY - The New York State Senate today passed a bill that would prevent insurance fraud by making it a felony to intentionally cause a vehicle collision. The legislation, sponsored by Senator James L. Seward (R-C-I, Oneonta), targets criminals who capitalize on vulnerable motorists in attempts to profit from insurance claims.
“Criminals who stage car accidents recklessly put lives at risk for their own financial gain while at the same time forcing all New Yorkers to spend more on auto insurance,” Senate Insurance Committee Chairman Seward said. “Innocent people should not be made unwitting pawns in a criminal enterprise. This legislation provides a bona fide deterrent to those who commit no-fault fraud, and will improve highway safety and reduce insurance costs for all.”
“Criminals trying to rip off the system by staging auto accidents are also putting innocent lives in jeopardy,” Senate Majority Leader Dean Skelos said. “This bill would crack down on the practice by creating tough new criminal penalties for staging car accidents, and it would have the added benefits of reducing fraud, lowering insurance costs and making our streets safer.”
Senator Seward’s bill was prompted by the 2003 death of Alice Ross, a 71-year-old grandmother who was killed as a result of a staged auto accident. Many others have also fallen victim to similar insurance fraud schemes, with women and elderly drivers most often targeted for these accidents because they are less likely to be confrontational after an accident, thereby making it easier for criminals to engage in this activity. In addition to the potential risk of injury or death, there are significant economic impacts to the state, with estimates that no-fault insurance fraud costs insurance companies and their policyholders $1 billion per year.
This bill would establish tough penalties by creating a new crime of staging a motor vehicle accident. A person could be convicted of a class B, C, or D felony depending on prior criminal history, specifics of the staged incident, or if injury or death occurred. The bill would take effect on the first November after enactment.
The bill was sent to the Assembly.
“Criminals who stage car accidents recklessly put lives at risk for their own financial gain while at the same time forcing all New Yorkers to spend more on auto insurance,” Senate Insurance Committee Chairman Seward said. “Innocent people should not be made unwitting pawns in a criminal enterprise. This legislation provides a bona fide deterrent to those who commit no-fault fraud, and will improve highway safety and reduce insurance costs for all.”
“Criminals trying to rip off the system by staging auto accidents are also putting innocent lives in jeopardy,” Senate Majority Leader Dean Skelos said. “This bill would crack down on the practice by creating tough new criminal penalties for staging car accidents, and it would have the added benefits of reducing fraud, lowering insurance costs and making our streets safer.”
Senator Seward’s bill was prompted by the 2003 death of Alice Ross, a 71-year-old grandmother who was killed as a result of a staged auto accident. Many others have also fallen victim to similar insurance fraud schemes, with women and elderly drivers most often targeted for these accidents because they are less likely to be confrontational after an accident, thereby making it easier for criminals to engage in this activity. In addition to the potential risk of injury or death, there are significant economic impacts to the state, with estimates that no-fault insurance fraud costs insurance companies and their policyholders $1 billion per year.
This bill would establish tough penalties by creating a new crime of staging a motor vehicle accident. A person could be convicted of a class B, C, or D felony depending on prior criminal history, specifics of the staged incident, or if injury or death occurred. The bill would take effect on the first November after enactment.
The bill was sent to the Assembly.
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