According to Forbes, the average driver will file an insurance claim for collision about every 17 years. This isn’t counting claims filed for those curbside scrapes or parking lot car door crashes. And while we consider ourselves experts in insurance, we understand that this process may be confusing for others. With so many different insurance specific terms and verbiage, we thought it might be helpful to define some of that language here on the blog! This month we’re dishing some important auto insurance lingo.
CLAIMANT – This is someone who files a claim for an accident. 1st party claimants are filing a claim against his or her own insurance policy. 3rd party claimants usually file against the at-fault person’s insurance policy.
ADJUSTER – Adjusters are employed by the insurance company and settle claims after investigating and determining liability. These same adjusters also then make payments to claimants based on their findings.
DEDUCTIBLE – The amount that the insured must pay out of pocket for covered losses.
TOTALED – If your car is totaled, the cost of repairs exceeds your vehicle’s value.
ACTUAL CASH VALUE – This is the fair market value of an item at the time it was stolen, damaged or destroyed. This can be calculated by estimating the value of the property, then subtracting the amount the property has decreased in value since the time it was purchased. This depreciation value will take into account the age, conditions and wear/tear of the property.
CLAIM – This is your formal request to an insurance company for payment under your policy terms. You will be given a claim number, keep this number safe and handy for reference. Adjusters will refer to your claim number often.
Auto accidents are no fun. We hope this condensed list of insurance definitions help you out when the time comes. Here at KW Auto Body we understand the confusion and disruption that a collision can bring to your life. We strive to deliver exceptional service, impeccable repairs and personal support to each customer who walks through our doors. The proof is in the smiles of the satisfied people we have the privilege of serving.
Get More Tips From K.W. Auto Body
We love to help our customers to simplify their lives. Check out more tips, tricks & hacks from our experts to help you to stay safe and drive with aloha.
Reminders For The Road
While vehicles are constantly changing, our concern for safety on the road remains the same. Here at KW Auto Body, we’re constantly reminded of the distractions that make their way into vehicles – you name it, we’ve heard it. Below are three reminders for the road that every driver needs to hear.
3 Quirky Automobile Add-Ons
Did you know that 17% of car owners decorate their ride with some sort of sticker decal? How about that 25% name their car? Here at KW Auto Body we’ve come across our fair share of personalized automobiles. This month on the blog we’re lightening up the top of conversation with 3 quirky auto add-ons.
Checking and Changing From Home
When it comes to upkeeping and restoring your vehicle, it’s easy to drop your car off at the local repair man without thinking twice. What a lot of people don’t realize is that there are many small repairs and maintenance tasks that can be completed with a few tools, and the will to learn in the comfort of your own garage. While you aren’t expected to know how to fix your entire car, it’s helpful to know a few tricks and tips to keep you driving – and more importantly, driving safely. Below is a list of parts you can check and change from home.
The 411 On Driving Below The Speed Limit
Most people know that driving over the speed limit heightens your chance of causing or being in an accident. Speeding also leaves the roads less safe, which therefore puts your life as well as the life of others at risk. But what many drivers don’t know or don’t think about as often is that driving well below the speed limit is also unsafe. This month on the blog we’re hoping to help you define the guidelines for driving under the speed limit – how slow is too slow, and how do I know?
Choosing A Mechanic
I think we can all agree that there are few things in our daily lives that are as frustrating as car repairs. Most repairs sneak up on us, and it’s important that we know whom to go to for help. While we focus on auto body work here at KW, we understand that finding a qualified, reasonable and trustworthy mechanic is crucial. This month on the blog we’re asking ourselves a few important questions before choosing a car mechanic.
Driving Distractions And How To Avoid Them
As of today, we can expect to see an increase of mainland visitors in Hawaii. More tourists in the state also brings more drivers on the road. And more people behind the wheel will also increase the amount of distractions you may encounter while driving. This month on the blog we’ll be discussing the three main distractions while on the road and how to prevent them.
Featured Services
We’ve got you covered! Our dedication to fast and friendly service means getting you back on the road as quickly, conveniently & safely as possible. No matter what repairs your car needs, K.W. Auto Body has got you covered.
Computerized Estimates
We offer C.C.C.ONE estimating system along with digital imaging.
Paint & Refinishing
We use Standox and a computerized paint matching system.
Auto Body & Collision Repair
We use Pro Spot Aluminum weld station for specialized repairs.
Unibody & Frame Repair
We are trained to use the car-o-liner computerized measuring system.
Jumpstart Your Repairs
You were in an accident. We're here to help. We are a full service auto body shop and are committed to serving you. Let's get you in the shop and back on the road seamlessly and quickly. Give us a call today!
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Honolulu, HI 96814
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