Car insurance claims can be very difficult to deal with if you have never had to file one before. Although the process of filing a claim isn’t too tough, it is important to make sure that you have the knowledge to file one so that you are prepared if you ever get into an accident. Although each insurance company is going to handle claims differently, it is important to know some basics about what you can do after an accident to make the process easy and painless. The very first thing that you should do is talk to your insurance company as soon as possible after the accident. They will require you to file a claim either through an online paperless form or they will allow you to complete a hand-written claims form that can be submitted.
General Car Insurance Claims Advice
Step 1: Be aware of your insurance policy – Knowing how much insurance you purchased when you signed up for coverage is very smart. If you purchased a comprehensive car insurance policy, you will want to make sure that you are getting your money’s worth from a claim.
Step 2: Know your state driving laws – Some states have laws in which you must go through your own insurance company for any claims; even if another party causes them. It is important to be aware of how your state regulates other drivers as well as influences the way your insurance policy works.
Step 3: Get accident witnesses involved – Immediately after the accident, you should always make sure that you have some witnesses to help you verify what just happened. Often times the drivers are so shaken up after an accident that information on car accident claims isn’t 100% accurate unless witnesses provide their perspective.
Step 4: Collect insurance information – Whenever you are dealing with insurance car claims, make sure that you gather insurance information from the other party involved in the accident. If you do not gather any insurance information (or license plate #, drivers license #, name, etc.) you run the risk of getting poorly compensated for damages.
Step 5: Agree on financial costs – If your car is worth $50,000 and there were over $15,000 worth of damages caused to it, you will want to get as close to $15,000 from your car insurance claim as possible. Most insurers will try to low-ball you on the damages, so don’t settle for a petty amount of claim money.
Step 6: Get your car repaired and/or replaced – The whole goal of filing car insurance claims is to get your car fixed up the way that it should be. Although you may get a “car insurance no claims” discount if you avoid filing a claim, most people sign up for insurance so that they can get compensated if anything goes wrong with their vehicle. Never be afraid to stand up for your right to receive compensation from your insurance company for damages when you are paying for the policy.