8 Steps To Filing Your Auto Insurance Claim
Are you involved in an auto accident? Do you know how to file an auto insurance claim? Read our 8 steps to filing an Auto insurance claims
More than 220 million motor vehicles clog America’s roads
today, naturally that lead to and accidents, Accident can be least enjoyable
moments of life, they are more of an incident, Know 8 steps to filing you auto
insurance claim.
Understand
your policy: The most important
step is you should know about your auto insurance policy before you go for
insurance claim. Understand your policy before a loss, read the insurance
policy carefully and if you have any question call your agent or company
to clear your doubts on what is to be covered in your insurance policy,
understand the procedure of filing insurance claim.
Emergency
Medical Treatment: Check if
some one needs any medical treatment for major or minor injuries, Call 911
if some one has life threatening injury, don’t avoid minor injuries
contact your family doctor or rush to any hospital for treatment, remember
minor injuries can be major long lasting injuries.
Exchange
information: Remember to
exchange information when your are involved in an accident, exchange
license plate number, contact information and auto insurance information,
if driver will have insurance identification card with him that makes easy
to retrieve most of the information, also provide above mention
information to other party involved an accident.
Look
for witnesses: Who are willing
to tell what they saw at the accident place, get the contact information
and phone numbers in case their account of the accident is needed.
File
and Accident Reports: File an
accident report and contact local law enforcement officers to have an
accident report prepared. Incase the law enforcement is not available near
to the accident place you can find detailed instructions on accident
reports at all police departments.
Contact
your auto insurance company: as
soon as possible and notify them about accident. An insurance adjuster
will review the accident report to determine who caused the accident. If
the accident was not your fault, you can have either your insurance
company or the at-fault driver’s insurance company handle the repair or
replacement of your vehicle. If you use the other driver’s company, you
will not have a claim on your automobile policy and you will not have to
pay a deductible.
Is
Damages are settled as per exception: Keep in mind don’t relieve your insurance company from the
responsibility until your are not satisfied with the damages settlement
Think
about following Settlement Factors:
Body
injuries: You can ask for monetary settlement for injuries caused by liable
party, some injuries it can take several days to become apparent
Damage:
An insurance adjuster will assess the damage and the insurance company is
responsible to pay the reasonable cost of repairs to your vehicle
Appraisal
clause: Most auto insurance policies include an appraisal clause, which can be
used to help settle disputes about physical damage claims between you and your
insurance company.
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