Tag: auto insurance

Hit-and-run accidents are an unfortunate reality for drivers everywhere, including Greenwood, IN. Whether it’s a minor fender bender in a parking lot or a more serious collision, these incidents can leave you feeling frustrated and unsure of what to do next. Understanding how your auto insurance can help in these situations is key to protecting yourself and your vehicle.

What Is a Hit-and-Run Accident?

A hit-and-run occurs when a driver causes damage to another vehicle or property and leaves the scene without providing contact information. These accidents can happen anywhere, from busy Greenwood intersections to quiet residential streets. Unfortunately, the responsible party is often difficult to track down, leaving you to deal with the aftermath.

How Auto Insurance Can Help

American Business Insurance offers coverage options that can help Greenwood drivers recover from hit-and-run accidents. Collision coverage is particularly important, as it can help pay for repairs to your vehicle regardless of who was at fault. Additionally, uninsured motorist property damage coverage may apply in some cases, providing financial assistance when the at-fault driver cannot be identified.

Steps to Take After a Hit-and-Run

• Document the damage to your vehicle with photos and notes.
• Contact the Greenwood police to file a report about the incident.
• Notify your insurance provider as soon as possible to start the claims process.
• Provide any details about the other vehicle, such as its color, make, or license plate number, if available.

Protect Yourself with American Business Insurance

While hit-and-run accidents can be stressful, having the right auto insurance coverage can make all the difference. American Business Insurance is here to help Greenwood drivers navigate their policies and ensure they’re prepared for unexpected situations. Contact American Business Insurance today to learn more about how we can help you stay protected on the road.

Storms can wreak havoc on your property, and your vehicle is no exception. If a tree falls on your car during a storm in Greenwood, IN, you might be wondering if your auto insurance will cover the damage. At American Business Insurance, we’re here to help you understand how your auto insurance policy responds to such incidents.

Comprehensive Coverage: Your Best Friend in a Storm

When it comes to tree damage from a storm, the part of your auto insurance policy that comes into play is typically your comprehensive coverage. This coverage is designed to pay for damage to your vehicle caused by events that are out of your control, such as falling trees during a storm.

Understanding Your Deductible

It’s important to note that your comprehensive coverage usually comes with a deductible. This is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Depending on the extent of the damage and the amount of your deductible, you’ll need to consider whether it’s worth it to file a claim.

What If the Tree Isn’t Yours?

If the tree that damaged your car belongs to someone else, you might think their homeowners insurance should pay for your vehicle’s damage. However, this is usually not the case unless you can prove they were negligent in some way, such as ignoring a dying tree that was at risk of falling.

Protecting Your Vehicle in Greenwood

Dealing with a fallen tree on your car can be stressful, but understanding your auto insurance coverage can make the process easier. If you’re unsure about your coverage or have questions about tree damage to your vehicle in Greenwood, IN, contact American Business Insurance today. We’re here to help you navigate your auto insurance policy and ensure you have the protection you need.