top of page

FAQ

If we do not have an answer to your question here, please do not hesitate to contact us and we will be more than happy to assist!

Frequently Asked Questions: Accidents

  1. Q: What should I do immediately after an accident?

    • A: Ensure safety first. Check for injuries, move to a safe location if possible, and call emergency services.

  2. Q: What information should I collect at the accident scene?

    • A: Exchange names, contact details, insurance information, and take note of the license plate numbers. Document the accident scene with photos if feasible.

  3. Q: Is it necessary to involve the police?

    • A: Yes, it's advisable to involve the police. They can create an official report, which may be crucial for insurance claims.

  4. Q: Should I admit fault at the scene?

    • A: Avoid admitting fault. Stick to the facts when discussing the accident with others, including the police and insurance representatives.

  5. Q: When should I notify my insurance company?

    • A: Report the accident to your insurance company as soon as possible, even if you are not at fault. Provide accurate details and any available documentation.

  6. Q: How do I get a copy of the police report?

    • A: Contact the local law enforcement agency that responded to the accident. They will guide you in obtaining a copy of the report.

  7. Q: What if the other party is uninsured or underinsured?

    • A: Your insurance may cover uninsured/underinsured motorists. Report the incident to your insurer, and they will guide you through the process.

  8. Q: Will my rates increase after an accident?

    • A: It depends on various factors. Contact your insurance provider for details on how the accident may impact your rates.

  9. Q: Should I seek medical attention even if I feel fine?

    • A: Yes, it's recommended. Some injuries may not be immediately apparent, and seeking medical attention ensures your well-being.

  10. Q: What if the other party disputes liability?

    • A: Provide all evidence and documentation to your insurance company. They will handle discussions with the other party's insurer.

Frequently Asked Questions: General

  1. Q: Why do I need insurance?

    • ​A: Insurance provides financial protection against unexpected events, helping you manage risks and recover from potential losses.

  2. Q: What types of insurance are essential for individuals?

    • ​A: Essential insurance types include health, auto, home, and life insurance. The specific needs vary, so it's crucial to assess your individual circumstances.

  3. Q: How does the insurance premium work?

    • ​A: The premium is the amount you pay for insurance coverage. It's typically paid on a regular basis (monthly, annually) and is based on factors such as risk, coverage amount, and personal details.

  4. Q: What factors influence my insurance premium?

    • A: Factors include your age, location, type of coverage, claims history, and the insurance company's policies. Driving records, health conditions, and lifestyle may also play a role.

  5. Q: Can I bundle different insurance policies to save money?

    • A: Yes, bundling (combining multiple policies with the same insurer) often results in discounts and cost savings.

  6. Q: How does the deductible work?

    • A: The deductible is the amount you pay out of pocket before insurance coverage kicks in. Higher deductibles usually result in lower premiums.

  7. Q: What is the difference between comprehensive and collision coverage in auto insurance?

    • A: Collision coverage pays for damages to your car in accidents, while comprehensive coverage covers non-collision events like theft, vandalism, or natural disasters.

  8. Q: Is life insurance necessary if I don't have dependents?

    • A: While life insurance is often associated with providing for dependents, it can also cover funeral expenses and outstanding debts. Consider your individual needs.

  9. Q: How does health insurance coverage work?

    • A: Health insurance covers medical expenses. It may include doctor visits, hospital stays, prescriptions, and preventive care. Different plans offer various levels of coverage.

  10. Q: What's the difference between term and whole life insurance?

    • A: Term life insurance provides coverage for a specific term, while whole life insurance lasts for the policyholder's entire life and includes a cash value component.

  11. Q: How can I lower my insurance premiums?

    • A: Consider bundling policies, maintaining a good credit score, raising deductibles, and exploring discounts. Safe driving and a healthy lifestyle may also impact premiums.

  12. Q: What should I do if I need to file a claim?

    • A: Contact your insurance provider immediately. Provide accurate information, documentation, and follow their instructions for a smooth claims process.

CALL US

Call: 661-273-7000 

Text: 661-591-4878

Fax: 661-273-5900

EMAIL US

cs@chlinsurance.net

OPERATING HOURS

Monday - Friday: 9 am - 6 pm

​

Saturday: 10 am - 4 pm 

(Open at Palmdale Location only)

​

Sunday: Closed

​

*Closed major holidays*

bottom of page