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Ask anyone about the ease of filing auto insurance claim and the response you are likely to get is a funny look and a gesture of exasperation. But is the process of making a claim really a game riddled with uncertainty and anxieties as people make it out to be? Does it really involve complicated procedures full of inconsistencies? What steps can you take to expedite the claim process without having to move mountains before you can get anyone’s attention?

In other words, this article intends to give you useful tips that will transform your auto insurance claim from a chore to an enjoyable experience. There are a number of things you must do in case your vehicle is damaged by flood, fire, vandalism or if it is either stolen or involved in an accident. Not knowing the proper procedures to follow can cost you a lot of money and time. Of course the jargon of all policies is complicated, but making a claim need not be! Below are ways you can employ to make your insurance work faster for you.

Contact Your Insurance Company Immediately or as soon as possible and inform them of the accident or any other mishap that may befall your car. If it is an accident involving another car, to protect yourself, note down the other driver’s information before parting from the scene. There are several things you may be tempted to do at the crash site which can bring complications later. Therefore, do not do the following:

  • Never admit fault. Sometimes you may appear to be at fault until the insurance company investigates further to realize the other party was at fault for the accident.

  • Do not move anyone if at all there is injury. Make sure you call 9-1-1 in a severe emergency.

  • By accepting any money from the other party, you will be forfeiting your right to make a claim.

  • Never accept to leave the accident scene with the promise/assurance that the whole matter is better dragged under the rug. You might be surprised by a law suit filed against you by the other party at a later date.

  • Lastly, never disclose the level of insurance you have, and remember to make a police report or record.

It is only then that you can get on the phone and call your insurance representative or agent. Inform the agent where your vehicle is located, and take all necessary steps to protect it from more damage.

You can then find out from the agent how you are to proceed, and what kind of supporting documents may be necessary when you are filing a claim. A form proving any loss you suffer and other documents which will support your claim such as the police report, repair bills from a car repair shop and medical reports are things that will be needed later, so you must not forget them.

The phone number for your insurance company can be found among the documents for your policy if it is not on the front of the insurance card. The insurance card will also have instructions as what to do in the event of an accident. You can also find their contact on the company’s website. Presently, many insurance agencies provide their clients with online portals for uploading support documents, filing claims, and checking the claim status. You can find out from the insurance agent whether the company has such options or if you must make the claims in person.  

Here at Cheapest Auto Insurance we have a quick online lookup of our companies which you can find on this page to check to see more information about the claims process at https://www.aautoandhomeinsurance.com/other/make_a_payment.aspx

Review Your Policy to get all relevant details related to particular coverage information once you are safely back at home.  Granted, the fine print and explanations of auto insurance policies oftentimes read like Latin, but that is not a reason to stop you from investigating what is entailed in your coverage.  Before you get yourself deeply embroiled in the claim tussle, read your policy several times to enable you understand and interpret two things –

  • The extent to which the insurance company will be responsible, and

  • What the complexities of your personal responsibilities are in the event of an accident or any other misfortune involving your car.

To be on the safer grounds, make sure you ask the company rep or your agent questions such as these:

  • How much is my deductible, and what is my policy limit?

  • Does my coverage take care of this loss/damage/misfortune?

  • How long will it take me to complete my claim process?

  • Is there a time limitation on my policy for filing a claim? If so, how long do I have?

  • After filing a claim, how long should it take for it to be resolved? Specify the duration during which you must get a resolution.

It is always best to understand you policy before a claim as well. Now If you are satisfied with what you have heard, you can now confidently move to the next step, which is to –

Forward all the necessary information to the company relating to the nature of your claim and the type of your policy/coverage. Different types of information will be required from you by the company depending on you claim’s nature. So that you are not made to run around in circles, when you are initially contacting them, find out exactly what kind of information the agency will expect from you.

Generally, the preliminary or primary information that you will be required to provide include;

  • The starting and ending dates of your policy

  • The type of damage your vehicle has suffered

  • Your full name and policy number

In some circumstances the company may ask you to give them supplemental information such as:

  • The time and date of the mishap

  • The identity of the drivers involved in the incident/accident.

  • The weather conditions at the time of the accident.

  • The names and addresses of any passengers

If you are involved in a collision, jot down and forward all the details of the other driver/car such as the color and car model, the license plate of the other vehicle, the name, policy number and the insurance company for the other person.

While you are doing all the above, try to determine whose fault it was that has caused the accident. And where the police are involved, forward the police report and a copy of the ticket they issue. The company may also request for a sworn statement about the accident details and your claim. All the paper work, including photos of the damage to your car, should be kept in a folder together with your insurance policy for easy access whenever they will be needed for later references.

If you are found to be at fault, you may have to pay a deductible which is a fee intended to offset the cost of the accident.  But if it was the other driver’s fault, your insurance company should assist you to recover the deductible from the other fellow.

If you enjoyed this article please comment below and share this with a friend!

Also for more claims information about our companies go to https://www.aautoandhomeinsurance.com/other/make_a_payment.aspx

Posted 3:38 AM

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