You are sitting at a stoplight and BANG! someone runs right into the back end of you. What do you do?
Many people react by getting out of their cars, marching right up to the person who hit them and start yelling and threatening physical violence. Bad idea on many levels:
1. They are in traffic and another car can pass and run over them trying to get around the accident or because there is another lane next to the cars.
We live in a fast paced society. News travels around the world at the speed of light. A hamburger can be prepared or is waiting for you from the time it takes to pay for it and when you pull to the next window. Who knew that texting someone in Indiana from your phone in Oregon could get you a response in seconds on an important issue even while both parties are in a meeting. We come to expect speed and efficiency from our technology and from business. Why should filing and settling an auto insurance claim be any different?
You've heard the old saying: "You get what you pay for." Sometimes that really is true, even when it comes to car insurance. What are you paying for with car insurance? Peace of mind? Yes. Proof of insurance to show the police? Yes. A piece of paper to show the other guy you just got in a car accident with? That too.