There are many factors that we may take into account when reviewing your policy, including your driving record, past claims history, etc. If you have questions, please contact your agent.
Pie offers optional rental coverage that can pay for some or all of your rental car fees. Just check your policy or work with your claims representative to see if and how this optional coverage applies.
Yes, the policy deductible applies even if you’re not at fault. Once your claim is paid and the other insurance company is known, Pie will seek to recover any monies paid towards your repairs, including your deductible, from the responsible party. We can’t promise that we’ll always be able to recover your deductible from the other insurance company or driver, but we’ll do our best to make it happen. If there is shared responsibility, the amount you receive back may be prorated.
The definition of insurance fraud is a deceptive act against an insurance company by a person, usually for financial gain. The FBI estimates that non-healthcare insurance fraud costs around $40 billion a year for insurance companies, resulting in a $400-$700 yearly increase in premiums for the average American family. If you believe you have witnessed insurance fraud or may be a victim of a scam, follow these steps to report the issue:
If you have a loan on your vehicle, your lienholder has an interest in making sure your vehicle is repaired. In a case where there is a lienholder on your title, you will have the option of us issuing the payment directly to the repair shop or we issue your check in your name/business name and your lienholder’s name. If there is no lien on your vehicle, we can issue payment to the titled owner.
Yes, the choice of a repair shop is up to you. You will need to simply provide the repair shop with a copy of your estimate.
A vehicle is deemed a total loss when the cost of repair to return your vehicle to its pre-loss condition is greater than the value of the vehicle. In some states, a vehicle may be deemed a total loss if the repair costs exceed a specific percentage of the vehicle’s value. Or a vehicle may be deemed a total loss if it cannot be returned to its pre-loss condition.
Your estimate will include all damages related to your loss that can be seen without taking your vehicle apart. Finding additional damage isn’t unusual, we can’t always see all the damaged parts when writing the initial estimate. If the repairs cost more than the provided estimate, your repair shop should contact your Pie representative to discuss any additional accident-related damages.
Pie’s contractual right to recoup the monies paid on your behalf following a claim if the accident was caused in whole or in part by another party.
Having a police report may be helpful and can simplify the claims process, but you can still file a claim without a police report. However, a police report will be required when filing claims for a hit and run accident, theft claim, or fire claim.
