Answers to frequently asked questions:

What should I do in the event of an accident? There are many things you can do in the case of an accident, but the first thing is to remain calm. Check all passengers for injuries first, then call the police or paramedics if necessary. If it is safe, move your vehicle away from traffic, then collect the other driver's information. For a detailed list of what to do in case of an accident, click here.

What if I can't drive my car after the accident? If your car is inoperable as a result of a covered Comprehensive or Collision loss, have it towed to the body shop of your choice, or the nearest body shop, and we will reimburse you for reasonable tow charges.

What happens when I call the Claims Department? An initial claims processor will obtain loss information from you and make an appointment for your car to be appraised. Your claim will then be assigned to a claims representative for further handling. To print out the Loss Information Form, click here.

What happens after the appraiser has inspected my vehicle? Once the cost of repairs associated with this loss has been established, an estimate will be forwarded to your claims representative.

What happens if hidden damage is discovered? If the repair shop finds additional damage, they will, in most cases, contact our claims department directly for a re-inspection. Should they contact you, be sure to notify your claims representative immediately.

What if someone is injured in an accident? Try to obtain all possible loss information from any injured party, including where they were seated in the vehicle, if they were wearing a seatbelt, and any other information you feel is relevant.

How will I be paid? Once your covered loss has been fully investigated and evaluated, payment will be issued based on the established cost of repairs less your deductible. If your vehicle is financed, your lienholder finance company will be an additional payee.

When can I request a rental car if I have Rental Reimbursement? As soon as your car goes into the shop for repairs, you can request a rental car from your adjuster. However, if your car is not driveable due to this loss, you can request a rental car immediately.

Is the rental car covered while I am driving it? Your present auto policy coverages apply to the rental car while you're using it. If your policy does not carry rental car coverage, and the other party's insurance company has accepted financial responsibility for the accident, you should contact that insurance company for a rental car.

Will my rates go up because of the accident? An increase in your auto insurance premium is dependent upon the circumstances surrounding the accident. Until your loss is actually settled, however, we will not know if your premium will be affected.

How can I help the claims process? There are a number of things you can do to help the claims process. Try to write down facts while they are still fresh in your mind, as details can become less vivid over time. Promptly complete and return any forms we send to you. If you obtain an advance copy of the police report or any additional information you feel is important, or if you are contacted or receive correspondence from any other insurance company or legal representative, please notify us immediately with the information. Do not give any statements, either written or verbal, to anyone other than your Century-National Insurance representative, or police officials for the accident facts they request. Remember to include your Century-National policy number on all correspondence.