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Seven Steps to Filing Your Car Insurance Claim
by: Jon Register
Having even a teeny-tiny car accident can be one of life's least enjoyable
moments. However, accidents happen, and sooner or later, we all have the experience
of meeting one of our fellow road travelers up close and personal. Using the
following seven steps to filing your claim will help you get over this speed
bump as smoothly as possible.
Step 1: Understand your policy
Before a loss, sit down and carefully read your insurance policy. Call your
agent or company if you have any questions about what is or is not covered.
Step 2: Exchange information
If you are involved in an accident, get the other driver's name, address, phone
number, insurance carrier, and insurer's phone number. Be prepared to give the
same information about yourself to the other driver. You can find insurers'
telephone numbers on the proof-of-insurance cards that should be carried on
your person when operating a motor vehicle.
Step 3: Identify witnesses
Ask witnesses to the accident for their names and phone numbers in case their
account of the accident is needed.
Step 4: File an accident report
Contact local law enforcement officers to have an accident report prepared.
If law enforcement is not reachable, accident reports and detailed instructions
are available at all police departments, sheriff's offices, your local Department
of Motor Vehicles office, and on your local Department of Motor Vehicles' web
site.
Step 5: Notify your insurer
Contact your insurance company about the accident as soon as possible. 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.
Step 6: Do not release insurers too early
Do not relieve your insurance company of its responsibility until the damages
are settled to your satisfaction. For example, have your insurance company handle
the claim if the other party's insurance company questions its policyholder's
negligence or offers an unacceptable settlement.
Step 7: Consider these settlement factors
- Bodily injuries: You may be entitled to a monetary settlement for injuries
caused by another at fault (liable) party. It can take several days for some
injuries to become apparent.
- Damages: The insurance company is responsible to pay for the reasonable
cost of repairs to your vehicle. An insurance adjuster will assess the damage.
Usually, insurance companies and auto body shops negotiate disagreements about
what should be repaired. If you disagree with their conclusions, you have
the right to obtain another appraisal at any auto body shop.
- 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. (The appraisal clause does not apply for claims
you file with the other party's insurance company.) If you cannot reach an
agreement with your company, you or your insurer can initiate the appraisal
clause. Your appraiser and your insurer's appraiser then select an independent
umpire to try to resolve the dispute. Check your policy or ask your agent
or insurance company for more information about the appraisal clause.
And that is it. While filing a claim is certainly no fun, following these seven
steps will make the process almost as easy as getting free quotes and purchasing
your car insurance at http://www.carinsurance.com.
Visit http://www.carinsurance.com
for your free quote
About The Author
Jon Register is a representative of CarInsurance.com.
You can visit CarInsurance.com
at http://www.carinsurance.com
or contact them at 1-877-327-8728.
CarInsurance.com's online
insurance marketplace gives an opportunity to consumers and to insurance
companies. We offer the ability to shop for car insurance online.
Consumers can receive quotes from many insurance companies, in some states
you are able to purchase your insurance instantly, online. You don't have
to drive your car to buy car insurance. Buy online...anytime!
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