Whether you had an accident, a break-in, or a branch fell on your sunroof, car damage is frustrating. Filing an insurance claim can add stress to an already tough situation. Each company may have a slightly different claims process but most follow the same general steps. Even if you have never filed a claim before, knowing what to expect can make the process easy and help you get the full payout you are entitled to
When Should You File an Insurance Claim?
After a car accident, filing an insurance claim might not be your first thought. However, you do not need to file a claim immediately. Depending on your state, you might have more time to file but doing it sooner will help you get back on the road faster. If the damage is serious or there are injuries, it is a good idea to contact your insurance agent and file a claim.
Filing a claim will protect you financially in several ways. Your insurance company may pay for property damage or injuries you caused as per your policy limits. They may also cover legal costs if you go to court. Depending on your policy, your insurance company might also pay to repair damage to your own car.
How to File a Car Insurance Claim?
The process of filing an auto insurance claim begins at the accident scene. Check out the steps that you should take:
Gather Information
At the accident site, collect important details like:
● Other driver’s vehicle and insurance information
● Contact information of any witnesses
● Photos of the damage to both cars (avoid letting anyone capture your driver’s license to prevent identity theft)
● Do not admit fault and let the insurance companies and police decide
Call Your Insurance Company/Agent
Call your insurer after you are safe and have talked to the police and the other driver. You can also file a claim online or via a mobile app. If your car cannot be driven, your insurer may arrange a tow truck and help you get a rental car if you have that coverage.
Talk to a Claims Specialist
Your insurance agent will assign a claims specialist to your case. The specialist will answer your questions and guide you throughout the claim process which also includes dealing with the other driver’s insurance if needed.
Assess the Damage
The claims specialist will determine the extent of the damage to your car and if it is totaled. They might visit to inspect and take the photos of the damage or rely on the repair shop’s report. Your policy may include extra coverage like new car replacement or gap insurance which the specialist will explain.
Get a Repair Estimate
If your car is not totaled, your insurer will give you a repair estimate. You can choose any repair shop you like but it might be quicker to use one recommended by your insurer. Wait for the estimate before approving any repairs.
Follow Up
If there are any issues, contact your insurance company for help. They should support you especially if you are dealing with the other driver’s insurer. If problems persist, ask if there is a customer care representative or ombudsman who handles complaints.
Hopefully, your insurance company will resolve all of your issues satisfactorily. If not or if you feel the amount given to you is unfair, you can contact your state’s department of insurance. They will help if your claim has not been handled properly. You can usually file a complaint online through their website.
What Should You Do if Your Car Insurance Claim Gets Denied?
You have a few options if your claim is denied. First of all, contact your insurance company and request a review by another adjuster. You can also consider hiring a lawyer depending on the situation of your case. Remember, there are valid reasons for a claim denial. Your policy might have lapsed or you may not have the coverage needed for the damage.
Conclusion
Today, all insurance companies have good customer support thus you should always communicate with your insurer when needed. If you have any questions about claims, get them answered in advance to make the process smoother when you need to file a claim. Remember the points mentioned above to make filing and receiving a third-party or comprehensive car insurance claim much easier.
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