|  Underinsured
Motorist Coverage insures you and your passengers for injuries caused
by an uninsured, underinsured, or hit-and-run motorist. This coverage
also extends to you and members of your household injured by an
uninsured or underinsured motorist as a pedestrian or when riding
a bicycle. Underinsured Motorist Coverage can also be purchased
to cover damage to your vehicle caused by an underinsured driver.
For more information click
here.
What should I do if I’m involved in a car accident?
- Stay calm.
- Move as far off the roadway as possible, but stay at the scene
of the accident. Turn on hazard lights or use flares if necessary.
- Make sure everyone is OK. Assist those who are injured.
- Call the police to report the accident and ask for an ambulance
if necessary.
- Write down the make, model, and license plate numbers of other
vehicles involved.
- Write down the name, address, drivers license number, and insurance
company of the other driver.
- Write down the name and address of witnesses and injured persons.
- Do not blame anyone or accept blame for the accident.
- Contact your insurance agent to report the claim as soon as
possible.
- If the accident involves death or injury, report it to the police
department immediately. Obtain a copy of the police report within
24 hours.
Download the When involved in
a Car Accident Card [ PDF 114 KB]
 Why
do we need Personal Injury Protection (PIP) coverage when we have
medical insurance to cover injuries?
You and your family members may have medical insurance, but that
may not be true for all of the passengers riding in your vehicle.
And, unlike medical insurance, PIP has no deductible and no coinsurance
clause. PIP even includes a Loss of Income benefit in the event
that you are injured and have to miss work. Also, injuries are paid
promptly under PIP, which can prevent injured passengers from filing
lawsuits.
Does my comprehensive coverage have a deductible for rock chip
repair?
Comprehensive insurance covers rock chip repairs with no deductible
(your deductible is waived).
Why should I carry insurance on all of my vehicles?
Even though you drive one vehicle and leave the other one parked,
it’s best to maintain coverage on all of the vehicles you
own. You want to be able to switch cars whenever you need to, without
having to call your agent to change your coverage each time. However,
if you have a vehicle you drive only six months out of the year
(such as a motor home or convertible), we recommend keeping comprehensive
coverage on that vehicle during the months it stays parked. You
will have to make sure and call your agent when you’re going
to drive it again, however. It may help to tie a string around the
steering wheel to remind yourself to call in and add the coverage
you need.
If I can’t get to your office in Yakima, will you come to
my location?
Yes, we will come to your location if needed.
Do you have local claims service?
The companies we represent, Pemco, Unigard, and Progressive, all
have claims representatives in Yakima that also serve the surrounding
region.
 What
if I have a property claim like theft, vandalism, or a fire?
- Make sure everyone is safe and prevent further damage.
- Obtain the names and addresses of all witnesses.
- If you have a theft claim, notify the appropriate authorities
and obtain the report number. Make a list of what was stolen,
including brand name; model number; age; purchase price; place
of purchase; and cost to replace.
- Photograph or video tape the scene if possible.
- Preserve and protect your property to prevent further loss.
- Call your Elliott Insurance agent at 248-7711 or 800-487-3369.
If it is after business hours, and you need to contact someone
immediately about your claim, you may call one of the following
24 hour claims service lines.
If you are insured through Pemco, call 1-800-GO-PEMCO
If you are insured through Unigard, call 1-800-777-0078
If you are insured through Progressive, call 1-800-PROGRESSIVE
Elliott Insurance — The Insurance Makeover Headquarters for Yakima and Central Washington
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