How To’s: Filing an Insurance Claim Author:    Posted under: Auto InsuranceAuto Insurance questions answered

“According to the National Highway Traffic Safety Administration, there are over 6 million accidents that are reported each year.”  It may have been you who was involved in one, or knew someone who was in one.  Whatever the case may be, it’s always rattling to be in a car accident.  After the initial shock dies down, you have to be able to gather your wits and make sure that you are getting what you need so that you can file your claims with your insurance provider.

Insurance in the United States is mandated by law.  When you are an owner of a vehicle or you drive one, you should know what your policy entails and what falls under the coverage that you are paying for.  More than that, in the event that an accident does happen, you will need to know how to file claims with the company for medical expenses, damages, loss of wages—and the list goes on.  Here are some guidelines for you to follow.

Insurance companies need to be informed right away.  Laws exist in that the company needs to be immediately contacted when you get into an accident on the road.

After informing them that you were in an accident, you will now need to know what documents you need to furnish them with.  More often than not, these include the police report and the photo of the accident as well.  You will also need to tell them the pertinent details like where the accident occurred, who was involved, what time it happened, and if there were any witnesses to what had happened as well.

Is there a timeline for these documents to be furnished?  Remember to ask for a deadline for the documents that you need to submit.  It will also help you get the reimbursements that you need on time.  Working on the needed documents tediously will help you in expediting the usually arduous process of waiting out on an insurance claim.  More importantly, make sure you keep duplicates of whatever you submit.  It is always good to make sure that you have the papers necessary to make your claims should the need arise.

What is your coverage?  Remember that the most important point in your insurance is knowing what you are covered for.  If you have collision or comprehensive coverage, then your insurance will cover all the damages caused by the accident, whether you are at fault or not.  However, if you are only paying for liability coverage, the company will only pay you the claims that others will impose on you due to the accident that had happened—in case you are at fault.

However, may it also be a point of note that when to file for one is also a question that needs debate.  We know that insurance policy cost is driven up by the number of incidents that the client has incurred for the previous year.  Some say that it is more of a loss than a win to file for claims when the damage is really minor.  You get to have your insurance pay for it now, but it backfires on you in next year’s policy.  Weigh your options.  Do you have just the right amount of money to shell out to close minor damages with the other concerned party?  It may turn out to be more beneficial for you that way.


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