Frequently Asked Questions Frequently Asked Questions When you have questions, count on Acceptance to give you the best available information. We've put together some of the most common questions here for your convenience. Jump To: Auto Coverage FAQ Policies FAQ Claims FAQ Other FAQs Auto Coverage To help you understand your auto insurance options, we've answered some common questions here. Need more details? Call 1.800.321.0899 or call your local Agent. What is Medical Payments Coverage? What is Bodily Injury Liability Coverage? What is Personal Injury Protection (PIP)? What is Uninsured/Underinsured Motorist Coverage? Auto Policies Your auto insurance policy is customized to give you the best value. The more you understand about your auto policy, the more you'll know about what is covered. That's why we've included some basic policy information here. Need more details? Call 1.800.321.0899 or call your local Agent. There are typically five sections of an auto insurance policy: Declarations, Coverage/Insuring Agreement, Exclusions, Conditions, Declarations Coverage/Insuring Agreement Exclusions Conditions Definitions How do I make changes to my policy? How can I make a payment? Auto Claims Your insurance policy is customized to give you the best value. The more you understand about your policy, the more you'll know about what is covered. That's why we've included some basic claim information here. Need more details? Call 1.800.321.0899 or call your local Agent. How do I file a claim? What happens after my claim has been filed? Do I need to file a police report for damage or theft? Do I need to file a state Motor Vehicle Accident Report? If the other person is at fault, why do I have to file a claim with Acceptance, too? How long will it take to process my claim? How can I check the status of my claim? What is a Deductible? I was not at fault for the accident. Will I have to pay my deductible? My damages are probably not more than my deductible. Why do I need to file a claim? If my car needs repairs, how will you pay for them? Do I need two estimates to determine how much it will cost to repair my car after an accident? Where do I go to get my car inspected? Where can I have my car repaired? What do I do after I receive my repair estimate? What if additional damage is found while my car is being repaired? I need a rental car while my car is being repaired. Will you pay for it? What is a Total Loss? My car is totaled. Now what? If my car is totaled, how do you determine the vehicle value? What if I owe more on my car loan than my car is worth? What is a Lien Holder? Who will receive the check for my totaled car? I think there has been fraud involving my policy. What should I do? How do I know if I'm being sued due to an accident? If I think I am, what should I do? My stolen vehicle was recovered. What should I do? How long will it take to get my deductible reimbursed? Other FAQs What is a Lien Holder Do I need to file a police report for damage or theft? Do I need to file a state Motor Vehicle Accident Report? I think there has been fraud involving my policy. What should I do? How do I know if I'm being sued due to an accident? If I think I am, what should I do? Talk To Us Call Us Quotes 1.877.405.7102 Service 1.800.321.0899 Claims 1.800.779.2103 Find A Location SEARCH Products AUTO INSURANCE Auto Insurance Bad Credit Auto Insurance High Risk Auto Insurance Liability Auto Insurance Non-Owner Auto Insurance Non-Standard Auto Insurance Senior Auto Insurance SR22 Auto Insurance Teenager Auto Insurance MOTORCYCLE INSURANCE Motorcycle Insurance Comprehensive Motorcycle Insurance Custom Motorcycle Insurance Military Motorcycle Insurance Motorcycle Roadside Assistance OTHER INSURANCE Roadside Assistance Renters Insurance Homeowners Insurance Commercial Insurance Pet Insurance Life Insurance Travel Insurance TeleMed Hospital Indemnity Outdoor Vehicle Information FAQ Report Fraud About Us Careers Investor Info Investor Relations Blog See All Locations Quick Links Get A Quote Claim Find Location Contact Us Login Register Give us a Call: 1.800.321.0899 Privacy Policy Terms of Use © 2021 Acceptance Insurance Agency of TN, Inc. All Rights Reserved.