First Acceptance Insurance Claims: Everything You Need to Know

First Acceptance Insurance Company is a provider of non-standard personal auto insurance. The company offers coverage for high-risk drivers who have a less than perfect driving history. It has been in business for over 50 years and has insured millions of drivers across the United States. In this article, we will provide you with all the information you need to know about First Acceptance Insurance claims.

Who is First Acceptance Insurance?

First Acceptance Insurance is a non-standard insurance company that provides auto insurance coverage to high-risk drivers. It was founded in 1969 and is headquartered in Nashville, Tennessee. The company operates in 16 states across the United States and is licensed to do business in many more. First Acceptance Insurance is known for its focus on providing affordable, flexible coverage to drivers who may have a hard time finding coverage elsewhere.

What Types of Coverage Does First Acceptance Insurance Offer?

First Acceptance Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Liability coverage is required by law in most states and covers damages that you may cause to other people or their property. Collision coverage covers the cost of repairs to your vehicle if it is damaged in an accident. Comprehensive coverage covers non-collision damages to your vehicle, such as theft, vandalism, or weather-related damage. Uninsured/underinsured motorist coverage protects you in case you are involved in an accident with a driver who does not have insurance or who has inadequate insurance coverage.

How Do I File a Claim with First Acceptance Insurance?

If you are involved in an accident or your vehicle is damaged or stolen, you should file a claim with First Acceptance Insurance as soon as possible. You can do this by calling the company’s claims hotline, which is available 24/7. You will be assigned a claims adjuster who will guide you through the process of filing your claim and will work with you to get your vehicle repaired or replaced as quickly as possible.

What Information Will I Need to Provide When Filing a Claim?

When filing a claim with First Acceptance Insurance, you will need to provide information about the accident or incident that caused the damage or loss. This may include the names and contact information of anyone else involved in the accident, as well as the location and date of the accident. You will also need to provide information about your vehicle, including its make and model, and any damage that has been done to it. Finally, you will need to provide your insurance policy number and any other relevant information about your insurance coverage.

How Long Does it Take to Process a First Acceptance Insurance Claim?

The amount of time it takes to process a First Acceptance Insurance claim will depend on the specific details of your claim. In general, the company aims to process claims as quickly as possible so that you can get your vehicle repaired or replaced and get back on the road. Once you file your claim, a claims adjuster will be assigned to your case and will work with you to get your claim processed as quickly and efficiently as possible.

Common First Acceptance Insurance Claims Questions

What Should I Do if I am Involved in an Accident?

If you are involved in an accident, the first thing you should do is make sure that everyone involved is safe and unharmed. If anyone requires medical attention, call 911 immediately. If it is safe to do so, move your vehicle out of traffic and turn on its hazard lights. Then, exchange information with the other driver or drivers involved in the accident, including names, contact information, and insurance information. Finally, contact First Acceptance Insurance to file a claim and start the claims process.

What Happens if I am Found to be at Fault for an Accident?

If you are found to be at fault for an accident, your liability coverage will pay for the damages and injuries caused to the other driver or drivers involved. If your liability coverage is not enough to cover the full amount of damages, you may be personally responsible for paying the difference. If you have collision coverage, it will cover the cost of repairs to your vehicle. However, you will still be responsible for paying your deductible.

What Happens if I am Hit by an Uninsured Driver?

If you are hit by an uninsured driver, your uninsured/underinsured motorist coverage will kick in. This coverage will pay for your medical expenses and any damage to your vehicle caused by the uninsured driver. If the other driver is found to be at fault, you may be able to file a claim against their own liability coverage if they have it. However, if the other driver does not have insurance or is underinsured, your uninsured/underinsured motorist coverage will be your primary source of protection.

Can I Get a Rental Car While My Vehicle is Being Repaired?

If your vehicle is being repaired as part of a First Acceptance Insurance claim, you may be eligible to receive a rental car to use while your vehicle is out of commission. The specifics of your rental car coverage will depend on your insurance policy and the details of your claim. However, in general, First Acceptance Insurance will work with you to provide a rental car that fits your needs and budget while your vehicle is being repaired.

Conclusion

First Acceptance Insurance offers a range of coverage options to high-risk drivers who may have trouble finding insurance coverage elsewhere. If you are involved in an accident, it is important to file a claim with the company as soon as possible. The claims process can be challenging, but with the help of a claims adjuster, you can get your vehicle repaired or replaced and get back on the road as quickly as possible. By understanding your coverage options and knowing what to do in case of an accident, you can ensure that you have the protection and support you need to stay safe and secure on the road.