If you are ever involved in a car accident or cause any other damage to your vehicle the financial protection you will have from car insurance will make the whole purpose of buying it clear. And with nearly 250 million vehicles on the road, there is a good chance you will eventually need to submit a claim to your insurer. There are specific steps you can take to make sure your claim is approved.
Notify Insurer of Accident
As soon as you are able, you must contact your insurance company to let them know you have been involved in an accident or otherwise damaged your vehicle. Insurers typically require notification within a specific period of time, often between 24 and 72 hours after the accident. If you do not meet the notification requirement, the insurance provider may not honor your claim.
Choose Claim Type
Vehicle damage, personal injury or both are the types of claims you can make. The exact nature of your claim is determined by state r equirements as well as the accident itself. Each insurance company has its own claim process you must use when filing. You should have this information on hand before you need it so you are prepared.
Collect Supporting Documentation
Your insurance company will not honor claims that do not include proof of injury or damage. Common documents that must accompany claims include a police report and medical bills. In addition to these documents, the insurance company will consider what the other party and any witnesses to the accident have to say.
Many insurance companies allow drivers to submit claims online. While this is certainly convenient, it is best to speak to an insurance company representative prior to submission. If the claim has incorrect or missing information, approval will be delayed. Ask any questions you may have before submitting a claim.
Meet with Claim Adjuster
If your claim is for vehicle damage, the insurance company will send an adjuster to inspect your car. During the inspection, the adjuster estimates the amount of money it will take to make repairs. In most cases, the insurance company then sends you a check to cover repair costs.
Understand your car insurance company’s claim process before you need to use it. This will save you time and money by helping you get your claim approved faster. Your insurer will be able to provide assistance throughout the car insurance claim process.