Getting the Most from Your Village Auto Insurance Georgia Claims

Dealing with a car insurance claim can be stressful, but when you have Village Auto Insurance Georgia in your corner, you can rest assured your claim will be handled properly Village has been providing auto insurance to Georgia drivers for over 15 years, and our dedicated claims adjusters know exactly what to do to get you back on the road quickly and hassle-free.

How the Claims Process Works with Village Auto Insurance Georgia

If you have an accident or your car is damaged or stolen, you’ll need to start a claim with Village Auto Insurance Georgia. Our claims process is straightforward and designed to help our customers every step of the way. Here’s what you can expect if you need to file an auto insurance claim with Village in Georgia:

• Call to Report the Claim – The first thing you should do is call our claims center at (479) 254-7070 or use our online claims form to report the loss. Be prepared to provide details like the date time, and location of the incident.

• Inspection and Estimate – A Village claims adjuster will reach out shortly after you report the claim to get more details. In most cases, we’ll send an appraiser to inspect the damage to your vehicle and provide a damage estimate.

• Settlement Offer – Using the damage estimate, Village will extend a settlement offer to cover the cost of repairs, usually within 1-2 days. For total losses, we’ll offer a fair market value settlement based on your vehicle’s actual cash value at the time of the loss.

• Repairs and Payment – If you accept the settlement offer, you can get started on repairs. Send the final invoice to Village and we’ll issue payment to you or the repair shop. For total losses, we’ll send the settlement check within 2-3 days of reaching an agreed value.

• Follow-Up – Even after your claim is closed, Village is here to help. Our claims team will follow up to ensure the claim process went smoothly and see if you need any other assistance.

What to Do After an Auto Accident in Georgia

Those first few hours after an accident can be disorienting, but there are important steps you should take to protect yourself and document the incident. Here’s a quick checklist:

• Call the police – File an accident report at the scene if there are any injuries or major vehicle damage.

• Seek medical help – Get treatment for any injuries right away. This will also help document the incident.

• Exchange information – Get contact and insurance details from the other driver(s) involved.

• Take photos – Use your smartphone to take pictures of the vehicle damage, conditions at the scene, and any injuries.

• Document the incident – Write down as many details as you can recall while the accident is still fresh.

• Call Village Insurance – Notify us of the loss right away so we can start your claim.

• Avoid admitting fault – Don’t say you were at fault, even if you think you were. Let the claims investigation determine liability.

Following these steps will help support your claim and get the claims process moving more smoothly.

What’s Covered by Collision and Comprehensive Coverage in Georgia?

In Georgia, there are two main types of auto insurance that will cover vehicle damage – collision and comprehensive. Here’s what they cover:

Collision – Pays to repair or replace your vehicle if it’s damaged in an accident with another car or object, like a tree or guardrail. Covers your vehicle regardless of fault.

Comprehensive – Covers damage from non-collision incidents like theft, vandalism, fire, hail, flood, and animal strikes. Basically any causes other than a car crash.

Without these coverages, you’d have to pay for repairs and replacement costs out-of-pocket. Most lenders require you to carry these if you have an auto loan or lease.

Other useful coverages include:

• Uninsured/underinsured motorist – Covers injury costs if you’re hit by a driver with no or too little insurance.

• Medical payments – Helps pay medical bills for you and passengers injured in an accident, regardless of fault.

• Roadside assistance – Provides towing and help with lockouts, flat tires, and other car troubles.

Check with your Village agent to ensure you have adequate coverage limits for these key protections in Georgia. Higher limits will lead to more complete compensation when you have a claim.

How Gap Insurance Works with Total Loss Claims in Georgia

If your vehicle is totaled in an accident or stolen, your Village Insurance auto policy will pay the actual cash value, or ACV. This is the fair market value of the car immediately before it was totaled.

The problem is that ACV may be less than what you still owe on your auto loan. This leaves you with a gap between the insurance payout and remaining loan balance.

Gap insurance helps cover the difference, saving you from potentially owing thousands of dollars to the lender. This add-on coverage is usually pretty affordable and worth considering if you have an auto loan or lease.

Village Insurance offers gap coverage that starts to work as soon as your comprehensive or collision claim is approved as a total loss. All you have to do is provide your loan balance info – we take care of the rest and make sure both you and the lender are taken care of.

Helpful Tips for the Claims Process in Georgia

To make the claims process after an accident go as smoothly as possible, keep these tips in mind:

• Gather documentation – Have info like repair estimates, medical bills, and accident details ready when you file the claim. The more info you provide upfront, the quicker the process.

• Take photos – Capture images of the damage, accident location, and any injuries with your smartphone camera. This helps document your case.

• Avoid rushed repairs – Don’t commit to any repairs until you check with Village Insurance first. We may need to re-inspect damages that have already been fixed.

• Connect your repair shop – Provide Village with contact details for the repair facility you want to handle fixes. We can work directly with them on estimates and payments.

• Ask questions – If you’re unsure about any aspect of the claims process, don’t hesitate to ask your Village claims representative. We’re here to help!

By being proactive and keeping Village in the loop, you can move through the claims process as quickly as possible after an accident in Georgia.

Village Insurance Has You Covered

The claims experts at Village Insurance understand just how stressful and disruptive an accident or vehicle theft can be for Georgia drivers. We’re committed to providing caring, no-hassle claims service so you can get your life back on track.

Our years of experience mean we know how to handle any claim situation efficiently, while keeping your best interests front and center. Trust that Village Insurance has your back if you ever have to file an auto insurance claim in Georgia. We’ll take care of the details so you can focus on recovery and repairs.