did you know there are more than six million car accidents each year in the unitedstates? you’re driving down the road, heading to the grocery store, a restaurant or your kid’sball game… and just like that… bam… you might havean accident. resulting in damage to your car… possibly injury to you or someone else. an accident can turn your life upside down. fortunately, the american family claims teamis here to help you.
our claim specialists are the primary contacts for taking care of your claim, suchas your vehicle damage. normally the specialist taking your report will address your immediate vehicle needs and let you know when to expect additionalcontacts from american family. sometimes a specialist will need to perform a personal examination of your vehicle. however, in many cases, american family will review “directly†with the body shop,
the damage estimates and photos. you can choose your own repair shop or use american family’s customer repair program, with designated repair shops that provide to you a lifetime workmanship warranty. check with your agent, our claim specialists, or company website for more information.
american family will generate a repair plan… or conclude that the vehicle is potentiallyunrepairable. a vehicle’s age, condition and the costs to repair or replace… play a part in thedecision. now let’s talk about terminology regarding vehicle damage to help you to be aware of how the claims settlement is reached. on a repair estimate, you may see the followingpart types. original equipment manufacturer (oem)
these parts are supplied directly from the original manufacturer of your vehicle. reconditioned / remanufactured oem parts that are rebuilt or restored toquality standards. recycled / salvage these are oem parts from a comparable vehicle. aftermarket these are “new†non- oem parts, manufactured to meet our standards for a qualityrepair.
regardless of which part types are used in your estimate, american family only usesquality replacement parts. another term, this one related to settlement is… actual cash value ( acv ) what your car or personal property is actually worth “prior†to your accidentor claim. a number of factors are used to arrive atthe amount. including vehicle options - power windows/ doors / locks
interior condition – clean or gently worncarpeting, exterior condition – tire tread depth, absenceof door dings or prior damage, and the vehicle’s mileage compared to comparablevehicles. one of the most familiar insurance terms isdeductible. a deductible is a predetermined dollar amount, for certain coverages such as collision andcomprehensive, that you our customer, agreed to be responsible for before the insurance company begins topay. the amount was determined by you and
your agent when your policy was issued. your claims specialist will let you know when a deductible is needed and how it willchange your settlement. the american family claim specialist will help you with these terms… answer any questions… and guide you through the specifics of the repair… or the non-repair process.
a claim specialist can also help if a rentalcar is needed and review any costs you may be responsiblefor. for car rental questions, please contact ourcentralized rental department at 1-800-myamfam (1-800-692-6326). accidents happen. however, with an auto insurancepolicy from american family, you will have our claimsteam to help you through the claim process. contact your agent… or go online to find out more about coverageand our claims services.
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