Does Auto Insurance Always Send You A Check If There’s An Accident?

As you watch medical bills pile up and worry about lost wages, a large check arriving in the mail might sound like a dream come true. Sometimes that happens, but it depends on a few key factors. An auto insurance company in Green Valley, AZ, won’t automatically send you a large check.

Money for the Vehicle

If your car is totaled or needs repairs, you usually won’t receive a check directly in the mail. Most insurance companies will first look at whether you own or lease the vehicle. If you don’t own it, payment typically goes to the lienholder or lender instead. If you do own the vehicle and it’s totaled, you may receive a check reflecting its estimated value.

Money for repairs typically goes directly to the repair shop handling the work. Insurance companies generally won’t send funds for you to purchase parts yourself or pay an independent mechanic to do the repairs.

Medical Bills

Insurance companies sometimes send a lump sum payment to help cover medical bills, particularly in cases involving a lawsuit. That money should be used specifically to pay off those bills. As medical bills arrive in the mail and begin to pile up, and if your medical coverage doesn’t cover them directly, that check can be used to settle them. Most companies, including Insurance Center of Green Valley, handle things this way rather than paying medical providers directly.

We understand things can feel confusing after an accident. Agents at Insurance Center of Green Valley can help you understand the process every step of the way. Contact us today. We’re currently serving the Green Valley, AZ, area.