Frequently Asked Questions

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Questions about Insurance

Firstly, lying about your driving history is “soft fraud”. So, if you lie about your driving history, your insurance company can deny you services and cancel the car insurance policy.

If you get in an accident and do not have car insurance, the other driver may sue you. Additionally, you may face jail time.

Yes, you can put anybody on your insurance policy. However, you can only add them if they live under the same address as you do.

Insurance Navy offers courtesy payment reminder calls. But, if you miss your premium, you will be charged a late fee and may face insurance cancellation for nonpayment.

A deductible is the amount of money you are required to pay after an accident before your insurance company takes over the remaining amount.

Yes, report a change of address to your car insurance company immediately. Address changes may affect your insurance rates and your insurance company may also deny any claims if the correct address is not on file.

No. This is a common myth surrounding auto insurance policies. Driving a red car does not make your insurance premiums more expensive.

Possibly, but only if you have rental reimbursement.

Filing a claim is a quick process. For instance, you may file a claim online, over the phone, in-person or through our mobile app. And, because we care about your convenience, the process should take no more than 15 minutes.

Customers are charged a cancellation fee and receive a pro-rated reimbursement, if they qualify, excluding agency fees and finance fees.

Under Illinois state law, you are only required to have liability insurance. You can obtain additional coverage through an insurance provider. However, you’re not always legally required to. Laws like this can vary by state.

This depends on your personal car insurance policy. So, the best way to ensure another driver has protection under your car insurance is to list them on your policy.

Comprehensive and collision coverage extends to rental cars.

Yes, Insurance Navy offers non-owner car insurance policies.

If you have collision coverage, it will pay for the repairs. But, if you do not, you will have to pay for the repairs out of pocket.

Car insurance policies issued in the United States usually extend into Canada. For other countries, you will have to purchase international vehicle insurance.

Yes, but not all policies do. Only comprehensive coverage covers theft. Your insurance company will pay the value of your car, up to its limit.

What a full coverage policy includes varies by the insurance company. But, it usually means comprehensive and collision coverage.

No, you don’t have to start a brand new policy to accomplish this. If you’d like to add a driver or vehicle to your insurance coverage, you simply have to update your current policy.

You can make changes to your car insurance policy at any time.

Auto insurance terms are 6 or 12 months.

No, you can only purchase insurance where the car is located.

Permissive use is allowing a person that is not listed on your insurance policy or a member of your household to use your car.

We have a bevy of ways to complete a payment because we care about your comfort and convenience. Insurance Navy offers the following payment options:

  • Online
  • Mobile App
  • Phone
  • Automatic Payments
  • Mail

Questions about Claims

Most importantly, before the claims process even begins, remain calm. Then, immediately pull over and do the following:

  • Call the police.
  • Gather information with as many details as possible.
  • File an accident report with the police and the Department of Transportation.
  • Call your insurance company as soon as you can.
  • Stay in touch throughout the claims process.

Read our article about things not to do after a car accident.

Gather as much information as you can. For instance, be sure to include:

  • Names and contact information.
  • Driver’s license and license plate numbers.
  • Insurance companies and policy numbers.
    Contact information for witnesses.
  • Accident location and photographs of the scene.
  • Damages to both cars.
  • Any bodily injuries reported.

It’s important to call the police as soon as possible after a car accident. For instance, police officers can provide emergency medical services. Also, they can protect the scene and direct traffic until the road is clear. Officers will make a police report with unbiased information that is important for insurance companies and potential lawsuits.

Under Illinois’ statute of limitations, people have two years from the date of an accident to file personal injury lawsuits. They also have five years from the date of an accident for property damage lawsuits.

Car accident victims can collect economic and non-economic damages. Examples are:

  • Pain and suffering.
  • Medical costs.
  • Vehicle repair or replacement.
  • Rental cars.
  • Lost wages.
  • Wrongful death.

If the accident is a small fender bender, you may not have to hire a lawyer. However, if you sustained bodily injuries in the crash, a personal injury attorney can help maximize the value of your claim. Personal injury attorneys handle all insurance and legal meetings, paperwork, court appearances, etc. Personal injury lawyer fees are typically a percentage of the settlement collected on the case.

If you sustain an injury in a car crash, seek medical attention as soon as you can. Keep a detailed journal of medical procedures, medical bills, lost wages and anyways the injury has affected your life. After that, you may want to consider hiring a personal injury attorney.

Typically, an insurance company will send an appraiser. Or, they’ll send your vehicle to a repair shop to undergo inspection and/or an appraisal. However, the process varies by company. It is important to speak to your insurance agent to know what their policies are.

If the repair costs are more than your collision deductible, you will have to make a decision. You’ll have to decide whether the insurance payout is worth a potential rate increase.

If you are not at fault, the other driver’s insurance covers the costs of a rental for a similar vehicle. However, you may have to pay for the rental upfront first and receive a reimbursement afterward.

But, if you have rental reimbursement in your policy, your company can provide a rental vehicle as well. After that, they will be reimbursed by the at-fault insurance policy later. However, if you are responsible for the accident and do not have rental reimbursement, then it’s different. Because, in this case, you are responsible for your own rental costs.

The actual cash value of your car is not what you paid for it. In other words, the actual cash value is the replacement cost minus depreciation. You can input your car’s information into websites like Kelley Blue Book and this will give you a rough estimate of what your car is worth. If this value is significantly higher than what an insurance company offers, you may try to negotiate another offer.

Uninsured and underinsured coverage helps you recover damages if the other driver has little or no insurance at all. If you do not have this extra coverage, you may not be able to recover any damages at all.

Yes, you can but your employer will have to verify that there was a job to perform that you were not able to do. If you used vacation days, this process will still apply. Also, you will need to submit pay stubs, a letter from your employer and other forms. Your HR department can help you gather these.

Gather as much information as you can, including the make and model of the car involved and file a police report. After that, if your policy has uninsured/underinsured coverage, your policy will pay for the damages.

An insurance provider has the right to cancel an insurance policy at any time. However, policies won’t undergo cancellation after the policyholder files a single claim. Filing multiple claims and carrying the label of a high-risk driver may result in cancellation. Moreover, an insurance company will notify you if your policy is being canceled ahead of time.

Deductible is a word that you’ve probably heard a bunch of times and yet, still have no idea what it actually means. A deductible is the amount of money a policyholder agrees to cover before an insurance company picks up the rest of the bill.

An insurance company will pay out the actual cash value of the vehicle, not the amount left on your car loan. Therefore, if you do not have gap coverage, you will be responsible for paying off the rest of the loan yourself. Gap insurance pays the difference between the actual cash value of the car at the time it is totaled and the balance of its remaining loan or lease.

This depends on your health insurance plan.

It is common to feel unharmed after an accident and feel discomfort and pain days or even weeks after your accident. However, if you begin to experience any type of pain following a car accident, seek medical attention immediately.

For instance, if you wait too long to see a doctor and later decide to file a bodily injury claim, an adjuster may argue that you weren’t hurt by the accident. An adjuster may also try to argue that the injury isn’t as severe as you say it is.

It depends on several factors including the extent of the damages in the report. For example, the resolution of a small fender bender may arrive within a few weeks.

But, if it’s a claim with bodily injuries then it’s a different situation. Moreover, it’s best not to receive an insurance settlement until you know the extent of medical treatments and injuries.

Most importantly, to speed up the claim, make sure you report it immediately. Be truthful, follow your insurance company’s instructions carefully, and check-in with your adjuster frequently.