Law Offices of Driggs, Bills & Day October 2017

Car Accident Insurance Claim Filing 101

After you’re in a car accident, the insurance company for the at-fault party should pay for all repairs. However, sometimes insurance companies will want to investigate the accident before agreeing to pay. If they’re dragging their feet and you need your car repaired

While your car is in the shop, the at-fault driver’s insurance company is required to provide a rental vehicle to you, and they will pay for the towing and storage of your vehicle as long as the amount is reasonable. If your vehicle is totaled in the accident, the at-fault insurance company is only required to pay for your rental until they have made you an offer for your total loss. When selecting a place to get your car repaired, you’re welcome to take your car to the body shop of your choice. If you’re looking for recommendations, the Advocates work closely with a few shops that always provide great service. Alternatively, if you don’t want to have your vehicle repaired, you can opt to get an estimate of the damage and have the insurance company pay you directly. If the other motorist doesn’t have car insurance, you may be in a sticky situation, unless you have uninsured motorist property damage coverage, which usually has low limits and requires a deductible. You may have to fix your car out of your own pocket.

sooner rather than later, you may want to utilize your own policy’s collision coverage, if you have it. With this option, you can opt to have your own insurance pay to repair your car, typically less a deductible. Later, you’ll recover the deductible from the at-fault party’s insurance.

Refried Bean Poblanos With Cheese

Recipe courtesy of

This vegetarian meal comes together in less than 15 minutes. It’s the perfect way to avoid take-out on a busy weeknight.


4 medium poblano chilies, halved and seeded 1 (16-ounce) can fat-free refried beans 1 (8.8-ounce) pouch microwaveable cooked long-grain rice

• •

½ cup picante sauce

1 cup (4 ounces) pre-shredded reduced-fat 4-cheese Mexican blend Chopped fresh cilantro (optional)


1. Place chili halves, cut sides up, on a round microwave-safe plate. Cover with wax paper; microwave on high 3 minutes. 2. While chilies cook, combine beans, rice, and picante sauce in a medium bowl, stirring well. Spoon bean mixture into chili

halves. Cover with wax paper; microwave on high 2 minutes. 3. Uncover chilies, sprinkle each half with 2 tablespoons cheese, and microwave on high 1–2 minutes or until cheese melts. Sprinkle with cilantro, if desired. • 3

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