Auto insurance claims is they are usually simple.

The truth about filing auto insurance claims is they are usually simple, easy, and straightforward. The National Association of Insurance Commissioners is the oldest association of state officials in existence in the United States. Since 1871, the insurance industry has been regulated and supervised by the NAIC so that the consumer would be assured of protection against fraud, misappropriation of funds, and intimidation. With these assurances, the industry has blossomed into a very user friendly milieu. Because of the NAIC, people who carry coverage can rest easy when the time to file auto insurance claims becomes a reality. The amount of each claim is very different, just as coverage for every person and combination of person-vehicle is unique.  A typical policy has either one or two parts. The first part of any auto policy is liability insurance. "Liability only" coverage is essential in many places. Liability covers the other guy. Auto insurance claims filed against liability policies do not pay out to the individuals who pay for the policies. These policies pay out to the injured party. And even if not a legal requirement, a wise practice would be to carry coverage just in case a person is involved in an accident. An accident is just that. It is not an "intentional." People generally don't wake up one morning and say to themselves, "I think I will have an accident, today." For the most part, a car accident happens when two people are not paying attention. There is a train of thought that contends that it takes only only person to cause an accident. Although true in some circumstances, the reality is most accidents happen when both parties are distracted. Even if only for a moment, a distraction while driving can have a horrendous outcome Auto insurance.