How to File an Auto Insurance Claim
All the headaches involved in auto insurance claims will be avoided if you know what to do if you have one. Your insurance dollars will have better value. It is possible to have your isnruance work for you in case you meet an accident, or when you care is damaged by fire, flood or vandalism, or if you are is stolen. You can file your auto insurance claim by following these steps.
The first thing to do is to call your insurance agent or the representative of the local company. It is important to do this as soon as possible no matter where you are and even if another person has caused the accident. When you call your insurance agent you need to ask how to proceed with your claims, and ask him what paperwork is needed to prove your claim. What the company will require you is a proof of loss from and documents that relate to your claim. Your medical records and car repair bills plus a copy of the police report are important documents that you should include.
It is important to choose the best auto body repair shop when having your car repaired. It is prohibited by law to steer customers to specific repair shops.
If you find a good body repair shop, it will give you guarantees and specific repair timelines. Your insurance policy has certain limits and deductibles, so find out settlement amounts before you sign off on repair costs. If you find it difficult looking for the best auto body repair shop, your insurance companies will give you a list of repair shops that are backed by guarantees on repair and labor.
When your insurer asks for information, then you should give it immediately. You need to cooperate when your insurer is investigating. When it comes to settlement or defense of any claim, you should also cooperate. Copies of any legal papers you receive in connection with your loss should be turned over to the company immediately. Your insurer will represent you if a claim is brought against you and you will be defended by the insurer if you are sued as a result of the accident.
You should keep a record of your expenses. Because of the auto accident, you may get reimbursement for the expenses that you have incurred. And this is under your policy. All your medical and hospital expenses and other costs as lost wages will be paid by your no-fault insurer. Your paperwork should have copies. You need to store copies of all paperwork in your own files. You can refer to them later on.
If you are not satisfied with the settlement offer, then you should talk things over with your agent or an adjuster. Check out your policy to see the settlement steps that it outlines.