9:09 PM How to File a Car Insurance Claim, Tips for Filing, What You Need - More | ||||
#insurance company auto insurance # Tips For Filing A Car Insurance ClaimIf you drive, chances are that you will eventually be in an accident or have another incident that damages your car. You will need to follow certain steps to file a claim with your car insurance company to get reimbursement. Claim types include bodily injury claims for medical expenses and property damage claims to vehicle repairs and stolen property. Read on to find out how to file a car insurance claim. When to File a ClaimContact your car insurance company as soon as possible following a car collision. You may also need to file a claim if your vehicle is:
Your auto insurance agent's or insurance company's telephone number is listed on the front of your insurance card. However, you may also be able to find it online and in your actual policy documents. Information You'll NeedWhen you contact your company to file a claim, make sure to provide the following details:
Your insurance company might also require you to complete a sworn statement that details the events of the auto accident (i.e. weather conditions, time of day or night that the incident occurred, etc.). Make sure also that you note any personal harm you notice and take photos of the damage. Five Basic Steps of Filing a ClaimOnce you contact the car insurance company, your case will go through the following steps.
Since you are responsible for protecting your own property, your car insurance company may require you to make temporary fixes to your car while you are waiting for car repairs. These can help prevent further damage. However, be sure not to make permanent repairs before you are approved, because these may not be reimbursed. Make sure to keep receipts for expenses as you fix your car and seek medical treatment. Hiring an AttorneyIn some cases, you might consider bringing in the counsel of an attorney who specializes in accident claims. They may be able to expedite the process. Coverage for Bodily Injury ClaimsIf you are not at fault for the accident, you'll typically be covered by the other driver's bodily injury liability coverage. However, if you live in a no-fault state, you may pay for your injuries through your own personal injury protection (PIP) coverage. Other optional medical coverages that will help pay for your injuries include:
Before purchasing optional medical coverage or raising your minimum deductible, consider using your own health insurance to cover all or part of your injuries. For more information, visit our Medical Coverages page. Handling a Bodily Injury ClaimWhen you are hurt in a car accident, there are certain steps that can make the process of dealing with a personal injury claim easier. Remember to:
Finally, remember to never admit fault at the scene. For more information on how to ensure you handle an injury-causing accident properly, visit our page on the first steps after a personal injury accident. Property Damage ClaimsYour ability to file a claim for vehicle repairs depends on the cause of the damage and the coverages that you have. Liability property damage coverage, which is required in many states, does not cover your own car. It will only pay for the damages you cause to another driver's vehicle in an accident that you cause. The two major coverage types that pay for damage to your vehicle include:
Other coverages that will cover property damage include:
For more information, see our Vehicle Coverages page. Handling a Property Damage ClaimWhen you file a physical damage claim, an insurance adjuster will inspect your vehicle and estimate how much it will cost to repair the damage. You will then receive a check from the insurance company that takes into account the auto deductible you have chosen for your policy. If your vehicle has been damaged, follow these steps in order to have your car insurance claim processed effectively:
Making smart decisions about how to move forward with your claim, and making sure you document all damage. will go a long way toward a fast and smooth settlement of your claim.
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