Pemco Claim Auto Insurance: Understanding The Process

PEMCO's auto insurance covers Washington and Oregon residents, offering affordable rates, customisable policies, and award-winning customer service. Their insurance covers damage to your car from other drivers, medical costs for passengers, and liability for accidents. Collision coverage pays for damage to your car from a crash, minus your deductible, while comprehensive coverage includes theft, fire, vandalism, and glass damage. PEMCO also offers underinsured/uninsured motorist coverage, towing and labour coverage, rental reimbursement, and more. In the event of an accident, customers are advised to move their car to the side of the road, exchange information with the other party, report the accident to the police, and then contact PEMCO to initiate the claims process.

Comprehensive coverage

PEMCO has partnered with Safelite Solutions to provide a seamless process for glass-only damage claims. If you have comprehensive coverage and need to repair or replace your glass, you can contact Safelite Solutions directly, and they will set you up with the shop of your choice.

Underinsured/uninsured motorist coverage

PEMCO's underinsured/uninsured motorist coverage comes into effect when your vehicle is damaged in a collision caused by an uninsured or underinsured driver. It also applies in the case of a hit-and-run incident. This coverage option takes the place of the other driver's liability insurance, as you cannot expect compensation from a driver with insufficient or no insurance. PEMCO will pay for the damages instead, covering both bodily injury and property damage. The amount of coverage depends on the amount requested by the insured driver, with higher coverage resulting in higher premiums.

Bodily injury and property damage are separate add-ons to your policy. Bodily injury coverage pays for injuries sustained by you and your passengers, up to the covered amount. It may also include compensation for lost wages and pain and suffering, depending on the state. Property damage coverage pays for repairs to your vehicle or other property damaged in a collision with an uninsured motorist. It also covers damage caused by a hit-and-run driver.

To use PEMCO's underinsured/uninsured motorist coverage, you must prove that the other driver is at fault for the accident, unless it was a hit-and-run incident. In some states, the uninsured driver may be considered partially at fault, and your coverage will pay according to that percentage.

Towing and labour coverage

If you have a mechanical breakdown and need roadside assistance, help is only a phone call away. You can call PEMCO's dedicated towing coverage line at 1-866-882-4840.

If you've already had your vehicle towed, you can submit a quick form for reimbursement. PEMCO will take care of the expense according to your coverage. You can call 1-800-467-3626 to verify your coverage.

PEMCO's Timesaver Repair Program includes trusted body shops and car repair specialists who can manage the repair process and paperwork for you. You are not required to repair your vehicle at a particular shop, but you can choose one of PEMCO's approved Timesaver Repair Shops, which guarantee their work with a warranty for as long as you own the vehicle.

If you need to file an auto insurance claim, you can do so by contacting PEMCO's claims department. Once the claim is reported, PEMCO will investigate to determine who was at fault. Damages and repair estimates will be reviewed, and payment will be made. Your deductible will be refunded if you were not considered at fault in the accident.

Rental reimbursement coverage

• $30/day up to a total of $900 per occurrence
• $50/day for up to $1,500
• $70/day up to $2,100

The annual cost for these options is approximately $26, $44, and $59, respectively. You are eligible to purchase rental car reimbursement coverage if you have chosen collision and comprehensive coverage for your car.

It is important to note that the coverage limits may not be sufficient to cover the entire rental bill, especially under current rental market conditions. However, it can usually provide a cushion to make renting a car more affordable.

To learn more about pricing options and whether rental reimbursement coverage is right for you, contact your local PEMCO agent or call their customer service line.

Personal injury protection (PIP) coverage

Coverage for Medical Expenses and Lost Income

PIP coverage with PEMCO includes payment for reasonable and necessary medical and hospital expenses related to injuries caused by a covered claim. This includes expenses such as hospital stays, medical treatments, physical therapy, and other related healthcare services. Additionally, PIP coverage provides reimbursement for a portion of lost wages if you are unable to work due to your injuries. This aspect of PIP coverage is particularly valuable, as it helps ensure financial stability during the recovery period.

No-Fault Coverage

One of the standout features of PIP coverage is that it is "no-fault" insurance. This means that regardless of who is at fault for the accident, your PIP coverage will apply. This is especially important because it provides prompt access to funds needed for medical treatment and other expenses without having to wait for liability determinations or insurance settlements from the at-fault party. PIP coverage acts as your initial line of defence, ensuring you receive the necessary financial support when you need it most.

Coverage for Essential Services

Recognising that injuries can impact your ability to perform everyday tasks, PIP coverage also includes reimbursement for essential services you may require. This can include expenses for childcare, housekeeping, dog walking, and other similar services. This aspect of PIP coverage is designed to help alleviate the stress of managing daily responsibilities while recovering from injuries.

Coverage for Pedestrians and Bicyclists

PIP coverage with PEMCO extends beyond just the occupants of your vehicle. If you are a pedestrian or bicyclist and are struck by a vehicle, your PIP coverage will apply to your medical expenses and other related costs. This aspect of PIP coverage underscores its comprehensive nature, providing protection for individuals beyond the confines of the insured vehicle.

State Requirements and Options

It is important to note that PIP coverage requirements vary by state. In Oregon, PIP coverage is mandatory, with a minimum requirement of $15,000. PEMCO offers the option to purchase higher amounts of PIP coverage, including $25,000 or $50,000. In Washington, PIP coverage is optional but highly recommended. If you choose to decline PIP coverage in Washington, you must sign a waiver acknowledging the risks of forgoing this protection. PEMCO offers different PIP coverage amounts in Washington, including $10,000, $25,000, or $35,000, allowing you to select the level of protection that best suits your needs.

In conclusion, Personal Injury Protection (PIP) coverage is a vital component of auto insurance, providing financial support for medical expenses, lost income, and essential services in the event of injuries sustained in a car accident. With its no-fault nature, coverage for pedestrians and bicyclists, and varying state requirements and options, PIP coverage offers peace of mind and comprehensive protection for individuals and their families.

Frequently asked questions