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Understanding the Car Accident Insurance Claims Process in 5 Easy Steps

When you get into a severe car crash and there is a lot of damage, usually a car accident insurance claim will be filed shortly after. You should already have some general knowledge about how you can file a car insurance claim after an accident so that you are a prepared driver. Part of the reason that you pay for insurance is so that they can help you with claims. In each and every claim, you are basically telling your insurer what type of damages occurred to your vehicle so that they can reimburse you for the money that you lost. Most of the top insurers have high-quality, quick claims processing centers for their customers. A lot of the car insurance companies that people give poor reviews are usually the ones that don’t handle claims well (e.g. they are slow or ignore some of them).

Taking Car Accident Insurance Claims Seriously

Auto insurance claims should always be taken seriously and filed within a timely manner after an accident. If you are ever involved in an accident or experience an injury as a result of a crash, you will want to call up your insurance company as soon as possible; never delay when you need to file a claim. Whenever you file a claim, you will want to review your policy so that you know what you should be reimbursed for.

Many people assume that they are going to get full financial reimbursement from their insurers no matter what. The truth is that you will get whatever you paid for when you signed up for coverage. If you bought a comprehensive insurance policy, then you will be able to file a claim for things like animal damages and vandalism. However, if you only purchased a minimal, cheap third party car insurance policy, you will probably not be able to file a claim for as many damages as others.

How to File a Car Insurance Accident Claim

Step 1: Ask Whether a Claim is Necessary – The very first step that you should take is asking yourself whether you really should file a claim. A lot of people don’t like claims on their insurance record and if the accident is so minor that a claim won’t really help much, you may want to consider skipping the process altogether. Filing a claim may end up affecting the price of your future insurance premiums. With that said, if you think a claim is probably necessary, then it would be a good idea to go ahead with the process.

Step 2: Write Down All Accident Details – You will want to know all of the details of your car accident so that you don’t get any information misconstrued when you file your claim. Write down some notes on a piece of paper or accident worksheet that you can make reference to for your claim. Try to get every detail that you can on your worksheet and find some accident witnesses that would be willing to testify on your behalf to the insurance companies.

Step 3: File Your Claim Immediately – Never even hesitate to file your claim if you need one. The longer you wait to file a claim, the tougher the process is going to be and you will have less accurate memories of the accident itself; make sure you file right away! Also, some people wonder whether they need to file a claim if the accident is not their fault. It is always a good idea to file a claim even if you are not at fault because your own insurers will be able to help you out.

Step 4: Expect a Phone Call from Another Insurance Company – The person that you got into an accident with will usually give you a call in order to clarify the accident details. Make sure that you are prepared for this because it can be somewhat nerve-wracking. When I got into my first accident, I ended up talking on the phone for between 30 minutes and 1 hour with some woman representing the other insurance company. The entire call was recorded, so I had to make sure that I was ready to be perfectly accurate in my accident description.

Step 5: Collect Your Financial Reimbursement – After your claim has been processed, you will likely end up getting some money to fix your car and repair damages. If you are not at fault, you will likely need to negotiate with the other insurers so that they don’t use the low balling technique and get away with it. I remember that I had a Honda Accord with less than 30,000 miles on it, but in my accident, it was completely totaled.

I was not at fault in the accident because some lady missed a stop sign and drove right in front of me. Anyways, my vehicle was assessed and since it was older, I was offered very little. I ended up collecting a few thousand dollars out of the deal, but it wasn’t really anywhere close to the true value of my car. Never agree to an offer that is too low of a price. I remember having to negotiate and hold out for about 4 months before I was able to collect.

Car Insurance Accident Claims and Stress

Filing a car insurance claim is not always as easy as it seems, especially after an accident. It is important to always make sure that you feel comfortable with your insurer and can trust that they will be able to help you out when you need it; after all, that is the reason that you pay for insurance in the first place. It is very easy to get stressed out after a car accident, especially when it is your fault. Never be afraid to file a claim though – people make mistakes and life goes on. Hopefully you won’t get too worked up and will be able to calm yourself down after the accident and collect what you need to from your claim.

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