In this article, we’ll explore the basics of Hanover Insurance Group, the types of car insurance coverage typically offered by this insurance provider, and steps you can take to ensure you get the most compensation possible for your injuries and damages.
What Is Hanover Insurance Group?
Hanover Insurance Group is an insurance company that originated in 1852. Since then, the insurance carrier has expanded immensely and offers a variety of insurance products to individuals and businesses. Examples of insurance coverage options that Hanover provides for its customers include:
- Car insurance
- Motorcycle insurance
- Recreational vehicle insurance
- Watercraft insurance
- Home insurance
- Renters insurance
- Condominium insurance
- Valuable items insurance
- Umbrella insurance
As with most other insurance carriers, Hanover’s primary goal is to make a profit through the monthly premiums collected from its customers. These premiums must equal more than what the company pays out in settlements and compensation in order for the company to remain profitable. Because of this, Hanover, like other insurance companies, does not readily hand over compensation to those injured in auto accidents. Hanover Insurance claims adjusters work hard to minimize the case value, reduce the total settlement or payout, and save as much money as possible when it comes to claims.
Types Of Car Insurance Coverage Offered By Hanover
Hanover, like other auto insurance carriers, offers a number of protection options at competitive prices to its car insurance customers. Their Connections car insurance provides coverage that customers can customize to suit their specific insurance needs. They also offer bundled covered, which is called Platinum, which bundles together home and auto insurance. This option includes auto insurance, home insurance, rewards for safe driving, accident forgiveness, guaranteed replacement cost for homes, and water backup in the event that water damage occurs in a person’s home. Hanover also offers high-value insurance for high-value cars. This insurance plan includes global rental coverage, prestige rental upgrades, prestige travel insurance, prestige new car extender, and prestige lifetime original equipment manufacturer (OEM) parts coverage.
Additionally, they offer the following that is important to know in the event of an accident:
Liability coverage: Hanover’s liability coverage includes bodily injury liability that will pay damages for injury or death that results from an accident caused by a Hanover insured-driver.
Comprehensive physical damage coverage: This coverage pays for any vandalism, theft, flood, fire, or other incidents that physically damage the insured person’s vehicle.
Medical payments coverage/personal injury protection: This coverage option will pay medical expenses to non-household members who are injured in an accident.
Hanover Insurance Group does not offer collision coverage, uninsured motorist coverage, or personal injury protection coverage, all of which can be helpful in the event that you are injured in an accident caused by a driver with this insurance carrier. This means that you may have to pay for certain expenses or damages or go through your own insurance company to receive compensation.
Understanding the different types of insurance coverage and finding out exactly what type of coverage the at-fault driver has can be challenging, especially if you’ve been injured in an accident and are recovering to regain your health. Working with attorneys such as those at Florin|Roebig can take the guesswork out of the situation and ensure you fully understand the coverage that may be available to you.
Filing A Claim With Hanover Insurance
Before you file a claim or attempt to sue Hanover Insurance, you should first speak with a reputable personal injury lawyer first. Your lawyer can help you determine whether directly reporting the claim to Hanover is the best choice or if reporting it another way will be more beneficial to your case. If your attorney recommends you do file a claim with Hanover, you can do so by calling (888) 628-0250.
Once your claim has been submitted, the company will send your claim to a local claims adjuster who will reach out to you within 72 hours to take a statement regarding the accident. They will then begin an investigation into the accident to determine the liability and coverage value of your claim. You’ll likely be asked to provide documentation of your injuries and any expenses or damages that resulted from them as well as other information that will help the claims adjuster determine the value of your claim.
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Tips For Getting The Most Out Of Your Auto Accident Claim
There are a number of things you can do following an accident that will support your claim and help you get the most coverage possible. The following are steps to take immediately after the car accident to increase the probability that you’ll get the compensation you deserve:
- Get pictures of the scene of the accident: Pictures are valuable pieces of documentation that can work to support your case when filing a claim or suing Hanover Insurance Group. Try getting images of the scene of the accident, the cars involved in the crash, and any injuries you or your passengers sustained.
- Call the police: Another important step is to call the police immediately following the collision. The police will come to the scene of the accident and perform an investigation to determine who was at fault for the accident. They will also provide you with a police report, which will be needed when going up against Hanover.
- Get medical attention: Even if you don’t feel as if you’ve been injured in the accident, it’s still important to seek medical attention after the accident. Many injuries don’t appear for hours, days, or even weeks after an accident, and the longer you wait to get medical help, the harder it will be to prove that the injuries occurred as a result of the accident.
- Keep track of all expenses: You should keep track of all of your medical bills, towing expenses, rental car fees, out-of-pocket expenses, and any other money you pay that is directly related to the accident.
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Contact Florin|Roebig About Your Hanover Auto Claim
Another important tip is to work with an experienced personal injury attorney such as those at Florin|Roebig. We can help you navigate the tricky and confusing world that is insurance claims and ensure your rights are upheld and that you get the compensation you need and deserve. Call Florin|Roebig today for a free consultation.
