How long does it take to get Car insurance?

How long does it take to get Car insurance?

Don’t have a lot of time to get Car insurance or you are confused with the question, that how long does it take to get Car insurance?

Well don’t worry, we are here to solve your problem. Getting Car insurance is much easier than how it looks. Unlike other insurance like Health, life insurance it takes less than an hour to get insured.

There are several car insurance companies out there in the market. And Guess What?? 

All of these companies sell the same product with the same terms & conditions, only a few differences they have. So, as a customer, you should get the right coverage for you. 

But, how would you decide which one is the right for you amongst these number companies? and Which Car Insurance Company would give you the quickest Insurance?

And to find out this:

We need to dive deeper into this:

What is Car Insurance?

It’s nothing but a simple paper contract between you and the insurance company. 

The insurance company promises you to protect you by giving financial help in exchange for you paying the insurance premium to them.

Insurance Company protects you against financial loss either an accident or theft or complete car damage.

How long does it take to get Car Insurance? 

You might get your Car Insurance on the same date if you are well prepared. But remember, purchasing insurance through an agent could be time-consuming. But online is a quick and easy process.

No matter which way you choose, you’ll need to have the following information handy.

  1. Name
  2. Date of Birth
  3. Driving Licence 
  4. Address Proof
  5. Vehicle Identification Number 

With That-

Here’s the step by step process to get Car Insurance Online:

step by step process to get Car Insurance Online
Image taken from Canva

Step#1: Get Online Quote 

Getting quotes from the different insurance companies is the first step in getting Car insurance online.

It helps you to compare the price.

On top of it:

Online multiple quotes will help you to decide the best policy to fit your needs and the best price to fit your budget. 

Now to get the online quotes, enter the required information. 

Step#2: Choose the Best Fit for You

Once you have entered the details, it filters out the results and renders the quotes in front of you. 

You need to compare all of them and choose the best fit for you.

Step#3: Get Insured 

If you have chosen the best quote for you, you simply need to proceed with the payment.

It can be your first premium or depending on the policy.

Also Read: What happens if you don’t have car insurance?

How long does it take to get insurance money after a car accident?

How long does it take to get insurance money after a car accident?
image taken from canva

Although purchasing car insurance is quite an easy process, getting insurance money after a car accident is a real hassle.

Well, it’s hard to say- How long does it take to get car insurance money after an accident? Because it depends on different factors or situations.

For Example: 👀

If you met with an accident because of drivers negligence, the company is liable to pay to the insurance amount. 

You may have a hard time if you fail to prove that the accident happened because of a driver’s negligence.

In this situation, it will take a lot of time and it will slow down your claim settlement process.

So, if you’re in such a situation, take the help of a car accident lawyer.

Furthermore, it also depends upon you and the insurance company because at the time of claim settlement you and the company need to agree on a particular amount so that it should be a fair settlement.

The insurer will also send you the sign release form. You need to send this sign release form, this official settles the claim and they will only pay the amount that you have agreed upon.

Once you send the release and the insurance company receives it, they will pay the amount of money you agreed on.

And if everything has done smoothly, then it will take around four to six weeks to receive your claim check.

How long does it take to get an insurance check for a totaled car?

Unfortunately, if you met with the accident and found that the car is completely damaged.

The insurance company may decide the car Totaled if the cost to repair the car exceeds the value of the car

Or: 

If it can not be repaired. 

Almost every other company issues the payment within a few days once the claim amount is finalized. 

But, most importantly:

Comprehensive coverage and collision coverage is what you need to get the claim for a totaled vehicle.

1.Comprehensive Coverage:

It provides the coverage if the car is theft or damaged by any incident (other than Collision).

In short, if your car is stolen or if it is damaged by falling of rock it tree, fire, etc- In this type of scenario you should have comprehensive coverage to apply for a claim.

 2. Collision Coverage : 

Collision coverage protects you against the damage caused by collision with another car or truck.

So, if you’re car is completely damaged in an accident because of the collision, you should have this type of coverage to apply for the claim.

Some Common Steps Involved in the totaled car claim process:

Step#1: Report a Claim 

Step#2: The insurer company will decide whether the car is a total loss or can be repaired and they will calculate the costing based on repair costs.

Step#3: Once the cost is decided, both – you and the insurance company need to Agree upon the final amount.

Step#4: If everything goes well, you need to do some Paperwork And you will receive the Payment

How long does it take to get car insurance card?

How long does it take to get car insurance card?
image taken from canva

Now let us switch from the main question – How long does it take to get car insurance? to a new question that How long does it take to get Car Insurance Card?

So well, insurance cards would be mailed to your registered address listed on your policy, which can take between 5-10 business days.

Just for your information – Insurance Card is documented proof that you have car insurance. It can also be called an Insurance Identification Card.

The Insurance Card Contains the Following Information: 

  1. Personal Details 
  2. Vehicle year and make
  3. Policy renewal dates 
  4. Insurance company name
  5. Insurance policy number 

But then-

How do you get an insurance card?

Generally, insurance companies send this card through mail along with other insurance information and declaration. 

Similarly, you can also get it by logging into the company’s website or calling at customer care.

Wrapping Up:

So in this article, we had discussed not only on the question – How long does it take to get Car insurance? but also some other important questions like – What is Car Insurance? How long does it take to get car insurance money after a car accident? How long does it take to get insurance check for a totaled car? step by step process to get Car Insurance Online, How long does it take to get car insurance check for a totaled car? and much more.

We hope this article has helped you in solving all your doubts. If you liked this article, do Subscribe Us.

Thanking You.

3 thoughts on “How long does it take to get Car insurance?”

Leave a Comment