Frequently Asked Questions

When you have questions, count on Acceptance to give you the best available information.
We've put together some of the most common questions here for your convenience.

Auto Coverage

To help you understand your auto insurance options, we've answered some common questions here. Need more details? Call 1.800.321.0899 or call your local Agent.
This benefit helps you, your covered family members, and covered passengers pay for necessary and reasonable medical treatment caused by a car accident. It doesn't matter who's at fault. Expenses may include:
  • Ambulance
  • Emergency Room/Hospital
  • Physicians
  • X-Rays
  • Surgery
  • Funeral
More questions? Just ask your local Agent or call toll-free 1.800.321.0899.
If you cause an accident that hurts someone else, this coverage helps pay for medical expenses and legal costs (if needed). More questions? Just ask your local Agent or call toll-free 1.800.321.0899.
PIP offers extended coverage in case you're hurt in an accident, whether or not it was your fault. In addition to covering required medical expenses, PIP can also help pay for lost wages, childcare and funerals. PIP is not available or required in every state, and there are other important terms and conditions. Be sure to ask a local Agent if you have questions or call toll-free 1.800.321.0899.
If you are involved in an accident with someone who doesn't have insurance (or not enough insurance to pay for your damages), this coverage will pay for your expenses. It is required in some states, so ask your Agent for more details or call toll-free 1.800.321.0899.

Auto Policies

Your auto insurance policy is customized to give you the best value. The more you understand about your auto policy, the more you'll know about what is covered. That's why we've included some basic policy information here. Need more details? Call 1.800.321.0899 or call your local Agent. There are typically five sections of an auto insurance policy: Declarations, Coverage/Insuring Agreement, Exclusions, Conditions,
There are typically five parts in an auto insurance policy.
This section includes all of the details about you, your other covered household members, your insured vehicles, and an overview of your policy (including your coverage, limits and deductibles). Make sure everything in this section is accurate.
More details about your coverage (such as liability, medical options, collision and comprehensive terms, etc.) are included here. Simply put, it describes our promises to you as long as your policy is in effect.
We also want to highlight some situations that are not covered by your policy. This information helps you decide if you want to add additional options now or sometime in the future.
This section describes your obligations-and ours. You'll find your payment terms, steps to filing a claim, and information about resolving disagreements.
Since insurance policies use very specific, legal language, we have included some important definitions here.
The best way to make changes to your policy is to call 1.800.321.0899 or visit an Agent at a location near you.
You can pay online, call us at 1.800.321.0899, or visit a location in your area.

Auto Claims

Your insurance policy is customized to give you the best value. The more you understand about your policy, the more you'll know about what is covered. That's why we've included some basic claim information here. Need more details? Call 1.800.321.0899 or call your local Agent.
Whether or not you’re an Acceptance Insurance customer, you may file a claim by calling our dedicated Claims Representatives at 1.800.779.2103 or by emailing us at newclaims@acceptanceinsurance.com.
Current Acceptance customers may file a claim online.
A Claims Representative, who is an expert in your state laws and regulations, will work with you to:
  • Review and assess available coverages
  • Determine who is at fault for the accident, if applicable
  • Estimate damage to vehicles, property and injuries
  • Bring your claim to conclusion as quickly as possible
Please take a look at some of the additional FAQs below for answers to commonly asked questions.
Yes, it is always a good idea to file a police report to document the circumstances.
Only if it's required by your state. Call 1.800.779.2103 or ask your local Agent if you need to.
Typically, we can help you settle the claim with the other insurance company. It's part of the value we offer when you choose Acceptance. We'll handle the responsibility of settling your claim so you can get back on the road quickly. If you are sued, we may hire a lawyer to represent your interests.
Every claim is different. Acceptance will handle your claim as quickly as possible, given all of the variables. You can do your part by contacting us immediately and providing timely information. Ask your Claims Representative what to expect once you get the process started.
Call your Claims Representative for status updates or call our Claims Reporting Line at 1.800.779.2103. You may also email us at existingclaims@acceptanceinsurance.com.
A deductible is the out-of-pocket money you pay before your insurance coverage begins. It's typically $250 to $1,000 per claim. For example, if the covered claim is $2,500 and your deductible is $500, you pay $500. Acceptance pays the remaining $2,000.
To reduce your monthly payment, choose a higher deductible.
As a general rule, yes. However, we'll try to get the full amount of your deductible back from the person at fault.
Until we inspect your vehicle and estimate damages, we can't tell you if repairs are less than your deductible. If you do have damages, our inspection and repair options include workmanship guarantees so you'll know that you're getting the best value for your money. If you're involved in a lawsuit due to the accident, we can help you resolve it.
If you've chosen Comprehensive and Collision coverage, we'll estimate damages. Then, after you pay your deductible (directly to the repair company), Acceptance will cover the rest.
Probably not. If you have Comprehensive and Collision coverage, we can inspect your vehicle and provide an estimate. If you prefer, you can take your vehicle to an authorized Acceptance repair shop; no estimate will be required
If you can drive or tow your car to a secure location (such as your house or office), we'll send an appraiser to meet you at your convenience.
After you have your repair estimate, you can get more value if you choose one of our Preferred Partners. If you prefer, you may also select your own repair shop.
First, choose a place to have your repairs made. It might be your local dealership, collision repair shop, or any other option you prefer. Then, make an appointment and provide a copy of your estimate so parts can be ordered in advance. If you need a referral, ask your claims representative.
The repair company will contact the person who originally inspected your car. Together, they'll update the estimate and send it to Acceptance for review. If the damage is not related to the accident, you can choose whether or not to pay for it directly.
If you purchased Rental Reimbursement Coverage, yes. Acceptance will reimburse your expenses up to the amount shown in your policy declarations. Hertz® is our Preferred Partner, and will take care of the arrangements for you.
A total-loss car would cost more to repair than its current value. If you have Comprehensive and Collision coverage, we'll send the lien holder (you, your bank, or your dealership) the settlement amount, minus your deductible.
First, remove your personal items as soon as possible. Leave your key with the car. Acceptance will get your permission to move it to a free storage facility. If it has been impounded, fees can add up quickly, so we will take action as soon as possible. Locate your loan paperwork or your title so we can process your claim as quickly as possible. NOTE:If you do have an auto loan, you must continue to make payments on your car until your claim is settled.
We use local and national information to determine the market value of your car. We consider the condition, mileage, and other factors.
In this case, we'll send the entire payment to your lender. You will be responsible for paying any extra money that's due. Please contact your lender directly to discuss the details.
Basically, a lien holder owns the loan on your car and your title. If you are making payments or leasing a car, a bank or dealership is probably your lien holder. Why should you know who has the title to your car? As a general rule, our settlement payments are made to that person.
If you're still paying off your car, we'll send a check to the lien holder, typically your bank or dealership. If you have the title to your car, we will send you a check after we receive your title.
To help protect you from fraud, we employ special investigative units nationwide to help identify and control claims that may involve fraud. Even if you're not sure, please contact our Fraud Department at 1.800.321.0899, ext. 32534.
You'll receive an official notification called a "Summons" or a "Complaint" if someone is suing you. It is important to immediately contact your Claims Representative and send copies of these documents to your representative. (Keep the original documents.)
If the police find your car, they'll tell you where it's located. Ask for a copy of the police report that includes their description of any damage. Then, contact the Acceptance dedicated Claims Line at 1.800.779.2103 as soon as possible so we can start processing your claim.
If your deductible is reimbursable, it may be part of your entire settlement from the person who caused the accident. Sometimes an attorney or collection agency is required, which can take longer.

Other FAQs

Basically, a lien holder owns the loan on your car and your title. If you are making payments or leasing a car, a bank or dealership is probably your lien holder. Why should you know who has the title to your car? As a general rule, our settlement payments are made to that person.
Yes, it is always a good idea to file a police report to document the circumstances of the incident.
This report should be filed only if it's required by your state. Call 1.800.779.2103 or ask your local Agent if you are unsure of your state’s requirements.
To help protect you, we employ special investigative units nationwide to help identify and control claims that may involve fraud. If you suspect fraud, please contact our Fraud Department at 1.800.321.0899.
You'll receive an official notification called a "Summons" or a "Complaint" if someone is suing you. It is important to immediately contact your Claims Representative and send copies of these documents to your representative. (Keep the original documents.)
If the police find your car, they'll tell you where it's located. Ask for a copy of the police report that includes their description of any damage. If you haven’t done so already, contact the Acceptance Claims Line at 1.800.779.2103 as soon as possible so we can start processing your claim.

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