- 1 The Basic Steps of the Claims Auto Insurance Process
- 2 Phone your insurance agent or a local company representative
- 3 File a police report
- 4 Follow up with insurance adjuster
- 5 Supply the information your insurer needs
- 6 Keep records of your costs
- 7 What NOT to do after a car crash
After any car accident dealing with auto insurance is the common problem for everyone as we think we have to go through many processes of form filling and many more steps. But the actual process is very easy and smooth than we think
Knowing what to do when you have an auto insurance claim can help you avoid some of the headaches, heartache and red tape involved in tackling the process. It can also help you get better value for your insurance dollars. If your car is involved in an accident, if it is damaged by fire, flood or vandalism, or if it is stolen, put your insurance to work for you by following these steps in filing your claim:
The Basic Steps of the Claims Auto Insurance Process
The procedure to claim car insurance may vary from place to place or state to state below are the most followed step to claim auto insurance.
Phone your insurance agent or a local company representative
Do it as soon as possible even if you’re far from home and even if someone else caused the accident. Be prepared to provide the following information:
- Which covered vehicle was involved
- Who was driving
- Location and time of the accident
- A basic description of the accident and the severity of the damage
- The name and insurance information of the other driver
- Names and contact information of others involved in the accident and witnesses
Take notes and write down the claim number you’re provided, plus the name and direct phone number of the person you talk to.
File a police report
Your insurance company will request a police report number. If you did not get a police report at the scene, you can still go to a local police station to file a report.
Follow up with insurance adjuster
The insurance agency will dole out an agent to your claim. The agent will no doubt get in touch with you for extra data. Adhere to the actualities and keep away from theory while portraying what happened. Give any photos you took at the scene and the contact data of any witnesses. Keep in mind that the discussion will be recorded and will be utilized while figuring out who was to blame. In the event that you are recording individual damage assert with the other driver’s insurance agency, you might need to contact a lawyer for this progression.
Notwithstanding gathering data about the mishap, the agent will either review the harm to your vehicle or will request that you take the auto to an ensured repair shop that will play out the examination.
Supply the information your insurer needs
Participate with your insurance agency in its examination, settlement or guard of any case, and swing over to the organization instantly duplicates of any legitimate papers you get regarding your misfortune. Your back up plan will speak to you if a claim is brought against you and shield you on the off chance that you are sued as the consequence of a mischance.
Keep records of your costs
Costs you acquire because of a car crash might be repaid under your approach. Keep in mind, for instance, that your no-blame back up plan for the most part will pay your medicinal and doctor’s facility costs, and potentially such different expenses as lost wages and in any event part of your expenses on the off chance that you need to employ a brief servant.
What NOT to do after a car crash
- Move any injured persons.
- Apologize for the crash.
- Tell any party how much insurance you carry.
- Accept any money. If you do, you forfeit your right to file a claim.
- Agree to forget about the accident. Later on, the other person may file a lawsuit against you.
Some Questions to ask your agent or insurance company:
- Am I covered for these losses?
- What is my deductible?
- How long will it take to process my claim?
- Does my policy have a time limit on filing a claim?
- Is there a time limit during which claims must be resolved after they are filed?
- What are those time limits?
Once you file the insurance claims now you need to know that how your insurance will be processed then just go through the following guide:
As a matter of first importance, the insurance agency must affirm that your strategy is basically and that the mishap is secured. After that is resolved, your claim might be relegated to a cases agent. The agent will take a gander at the harms to your auto, assess the misfortune and make sense of the amount you can assert under your arrangement. This figure will be the insurance agency’s gauge of what they will pay to repair your auto—the aggregate claim installment.
You can regularly spare cash by heading off to a repairman prescribed by your insurance agency or utilizing bland automobile parts for repairs. Be that as it may, on the off chance that you feel awkward with their suggestions, recall that it’s your choice to get a gauge from another technician. Actually insurance agencies can’t influence you to go to only one place for repairs, however, they can ask that you get more than one gauge to ensure that they don’t pay an expanded repair charge.
Just follow the above simple steps and Claim your car insurance easily.