Car Insurance Claim
Should you have to make a car insurance claim whether from an accident you were involved in or from damages to your car, there are a few things you should know before making your claim. Filing a claim with your car insurance company can be frustrating, in some cases even raising your premiums. We're here to help clear up some of the confusion behind making your claim.
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Filing your car insurance claim
Remember that in the auto insurance world there is no such thing as an "accident," instead they refer to them as incidents. Here are a few steps you can take to ensure the process goes smoothly:
- Understand your policy – Knowing what your insurance policy does and doesn't cover will help you in filing a claim, if you have additional coverage make sure the amounts will cover the damages involved.
- At the scene – You will first want to ensure that there are no medical injuries that need immediate medical attention, the longer an injury goes untreated or undocumented the more costly it could be when filing your claim. Plus you will want to exchange insurance and registration information in order to submit to yours and the other person's auto insurance companies.
- Documentation – If you can, get information and contact info from witnesses at the scene, take as many photos as you can of the damages, and file an accident report with an officer as soon as possible.
- Notify your insurance company – T he sooner you notify your insurance company along with the documentation and law enforcement report the greater an impact it will have in expediting your claims.
When it comes to filing a car insurance claim, time is of the essence, and time in this case does cost money. If it's time to renew your car insurance coverage you will want to consider requesting a few quotes and finding out if you could be saving money even with a recent incident on your record. Get started today and request a quote!