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Coronavirus and Car Insurance: What You might want to think about  (Part 1)

Covid 19 car insurance tips

(The following comments  in this post is speculative and is from research as it is too early to be sure about covid 19 and auto insurance)

·         The coronavirus pandemic has meant fewer people on the road, which has logically led to fewer crashes and thus a drop in insurance claims.

·         It's still too early to have a lot of hard numbers, but one insurance tech company says personal auto claims could be down as much as 50 percent and that March could see the lowest number of claims in half a century.

·         In California, which has reported some data, the number of crashes is down 43 percent so far in 2020 compared to 2019.

Will auto insurance claims be affected by COVID-19?

With social distancing measures in place across the country, insurers are making sure their employees and customers stay safe by keeping the claims process digital.

Depending on how tech-savvy your insurance company is, this may be a big change from a typically hands-on process or you may not see a change at all. Some insurers already have full-service apps where their customers can find everything they need “which includes filing a claim by submitting photos of the damage.”

The Coronavirus pandemic has closed down schools and non-essential businesses. Essential businesses such as doctors’ offices and hospitals continue to see patients. And if you already have an ongoing car accident claim, you might be wondering how the pandemic affects you, your claim, and it’s progress.

 

Medical Treatment May Be Limited

If injured in a car accident, you will receive life-saving medical care but your ongoing non-emergency medical care may be postponed. Because of the Pandemic, people who have been in car accidents and need routine ongoing care may have to wait longer than usual. Many doctor’s offices are limiting the care they provide to patients, often referring them to the hospitals or setting up telephone/video visits instead. Even hospitals are limiting visits to seriously ill or injured patients. Furthermore, going to doctor’s offices for routine visits may not be worth the risk of contracting or spreading the virus.

 

Your Personal Injury Case May Be Extended

The courts have placed personal injury cases on hold to help contain and reduce the Coronavirus outbreak. It means that claims are not flowing through the court system, and won’t proceed to trial until the Pandemic is under control. If you have any questions about a personal injury claim, contact your car do some research on accidents in your state

 

I’m not driving as much. Should I cancel my car insurance?

This is rarely a good idea — drop coverage only as a last resort and if you aren’t driving at all. Almost all states require you to have auto insurance to legally drive

How can I submit a car insurance claim during the outbreak?

Many companies allow you to submit a claim on a mobile app or website. Apps often allow you to upload photos or videos of any damage without the need for a claims adjuster to see the car in person.

Can I Get an Insurance Discount Because I'm Not Driving to Work Every Day?

Yes, you can potentially save a bit of money because you’re not commuting back and forth to work