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IF YOU HAVE BEEN BILLED BY MCGHEE INSURANCE AGENCY
If you have received a McGhee Insurance invoice, forward your check/money order with the insured’s name and invoice number payable to “McGhee Insurance” to 6152 E 22nd Street in Tucson, AZ 85711.
If your bill is from McGhee Insurance, you may also pay us using a Visa, MasterCard, Discover or American Express card for a fee of around 3%.
AUTOMATIC PAYMENT PLANS / EFT
Automatic payment plans set up between your insurance company and your bank usually yield policy discounts, and are available with almost every carrier. Contact us to learn about your options at (520) 327-6534
IF YOU ARE BILLED BY YOUR CARRIER
The vast majority of our customers are billed directly from the insurance company. If this is the case you may be able to find web addresses and phone numbers on your bill where you can make a payment. Otherwise, click on your company to the right to view contact information.
How to File an Insurance Claim
When deciding whether to file an insurance claim, you need to consider several things- the terms of your individual policy, the cost of your claim, the amount of your deductible, and how many claims you have filed with your insurance company.
Knowing whether to file an insurance claim is important for several reasons. Insurance companies track how often you file claims-a factor that is considered when determining your premium. In some cases, insurance companies even keep a record of calls you make to inquire about a potential claim.
The first thing we recommend is to call your agent at 520-327-6534 to go over your coverages and the possible pros/cons about filing your claim.
If you can pay for damage or property loss without undue financial hardship, it may make sense to pay for that expense out of pocket instead of filing a claim.
For example, if you are in a fender bender and the amount of damage to your vehicle is $1,100, it might be a good idea to foot the repair bill yourself if you have a $1,000 deductible. If you have filed an insurance claim each year for the last 20 years, you also may want to think twice about filing another claim. In such a case, your insurance company could very well cancel your insurance policy due to perceived high risk-if it has not done so already. Filing the wrong kind of claim for your policy also can count against you.
Bear in mind that insurance is really there to cover big expenses that would significantly burden you financially. The problem with filing smaller claims is that they can count against you if you ever need to file a bigger one. So, if you want to keep your premium costs down, consider raising your deductible to $500 or $1,000, and file claims only if damage exceeds that amount. However, if you determine that your claim is insurable under the terms of your policy and you have considered the above factors, you should submit your claim as soon as possible. Most insurance companies require you to file a claim within a certain number of days after an incident, so be sure to check the terms of your policy. For more information, call your agent before submitting the claim to the company (520)327-6534, or read over the terms of your policy.