• Ask when you must claim after the loss or damage occurs.
• Ask what demonstration is required when you claim.
• Ask the necessary period for insurance company to investigate and settle the claim.
• Check "consumer complaint ratios".
• Listen to body shops recommendations.
• Check the J.D. Power Ratings – it publishes an annual survey of major auto insurers.
• Take account of financial strength ratings – visit A.M. Best and Standard & Poor's ratings.
• Find out about existence of agents and claims offices in other states if you travel extensively.
Read more at: howtolaw.co.nz, edmunds.com, ehow.com