Why wouldn't QBE pay my claim?
A loss must be covered under your insurance policy for a
claim to be paid. Not all claims or types of damages, such as
normal wear and tear and maintenance expense, are covered. For
example, we wouldn't pay to replace your 30-year-old roof or
battery in your car because they have worn out from age. In
addition, some kinds of coverage have limits, meaning we only pay
up to a certain amount for a claim. Each case is handled
individually by the claims department, so your insurance agent or
claims
representative can provide more information about your specific
situation.
Why must I pay my deductible if the claim wasn't my fault?
In your insurance contract, you agreed to pay the deductible amount if you have a claim.
However, if you are not at fault and pay your deductible, you'll be
reimbursed as soon as the claim is settled provided the other
party, or the other party's insurance company, pays the claim.
I've been in an accident and can't drive my car. How much will
you reimburse me for my rental car?
When your car is not drivable because of an accident or other
loss covered under your policy, QBE will reimburse you $20* per day
for your transportation expenses, including rental car, bus or taxi
fees if you have rental reimbursement coverage on the vehicle. We
do not pay these expenses for the entire 30-day maximum period
unless it's deemed necessary.
*Higher limits may be available for an additional fee (must
be in effect prior to claim to provide coverage). See your agent
for details.
I was just notified that the body shop is using aftermarket
parts to repair my vehicle. What are these and why are they using
them?
Aftermarket auto parts are parts produced by companies other
than the original equipment manufacturers. They offer a safe,
quality and cost-effective alternative to manufacturer's parts and
are another way insurance companies keep your premiums down. QBE's
guidelines for using aftermarket parts require that they are
industry-certified, do not cause unusual delays for your vehicle
repair and are of equal or better quality than original parts.
