How To File An Auto Insurance Claim

A claim is when you ask the insurance provider to reimburse you for damages you have sustained after a car accident, or when you ask the insurance company to legally represent you or intervene on your behalf when you are guilty for the accident.  Since you pay a lot of money to keep the policy active, it makes sense that if you are involved in an accident, you will want to make an auto insurance claim. First find out how to fill in an auto insurance claim.  Read the following blog for more info and visit our website for more tips on how to save money on car insurance.

Keep in mind that depending on the guilty party, and the type of damage suffered, your insurance company will be able to provide coverage. For example, if the car is stolen, you will be reimbursed only if you have comprehensive coverage.  Nevertheless, the following steps apply for all types of coverage. But we will illustrate the case of an accident:

  1. Contact the authorities. You will need to get a report from the police, detailing the circumstances and who witnessed. In case of an accident, it would be even better if you get multiple witnesses detail the accidents.  Also, the police will make sure that nothing happens to if, let’s say, the other party has an aggressive behavior.
  2. Contact the DMV to report the accident or related concerns. Make sure that the local DMV is informed about your accident. Then your legal responsibilities will be explained.
  3. Get info about the accident. Keep track of all info, from witness testimonies to police reports and car repair bills. Make sure to take photos from the place of the accident and ask for camera recordings from the police, where available.
  4. Contact your insurance agency. Explain the nature of the accident, how it happened and what the damages are. The company will tell you what to do next and arrange for towing services, where available.
  5. You will get a claim adjuster. The company will instruct one of their men to handle the case.
  6. Cooperate with the adjuster. The insurance specialist will contact you and ask to describe how everything happened. The adjuster will also inspect the car and review the repair costs.  He can even recommend you a repair garage, agreed by the company.  In order to settle the claims faster and easier, provide all the info requested.

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