Auto insurance claim

Follow these 9 steps to file an auto insurance claim and make sure you get it right so you will save yourself money and make things a lot easier for yourself.

The last thing you ever thought that would happen to you would be to have an accident. Aren’t you glad you have auto insurance? Now that you’ve had an accident and everybody is okay, but your car is damaged it is time to file a claim to cover your accident.

Step 1. Call 911 and get help as soon as possible if anyone is injured. If no one is injured call the police because you are going to need an accident report, filled out by a police officer if there is any damage to your car or anyone else’s car.

Step 2. Find witnesses who saw the accident and get their contact information. Even if they don’t want to talk right now, should there be a lawsuit they can be subpoenaed at a later date.

Step 3. Exchange phone numbers, contact information and insurance cards with the other people involved. If they do not have insurance make sure you tell the police officer.

Step 4. Even if the damage is minor ask a police officer to fill out an accident report and if he will not do that because the damage looks minor, insist on an incident report. It is very important to have a written report by the police officer after the accident. Accidents that seem very minor can result in large lawsuits. I myself was sued after a $100 fender bender and because of the accident report my insurance company handled the whole thing.

Step 5. Call your insurance company right away and if you have your cell phone call from the scene of the accident. Give them all of the pertinent information including the name of the police officer, who filed the report.

Step 6. Write down your total recollection of everything that has transpired.

Step 7. Contact the other person’s insurance company and tell them what happened. By this time you should have the name of their insurance company as well as their insurance ID number. You should also have written down the license plate number of their car.

Step 8. Make an appointment with the insurance adjuster and take your car to them or if it is to badly damaged have them come to see you and they will come up with an estimate of what it will take to replace your car or restore it. Keep in mind the insurance adjuster works for the insurance company and is trying to save them money.

Step 9. Before you accept a settlement from the insurance company to replace or repair your car make sure that auto body shop can do the work for that amount left the deductible or you may be left with a huge expense.

If the amount offered by the insurance company adjuster does not cover your expenses may have to get a lawyer and he or she were to go see with the insurance company. You do not have to accept the first offer. You paid your premiums now you have a right to make sure the damage is covered.

Jimmy says, if you follow the proper steps you can get you can get your claim settled and save yourself a lot of money. If you don’t follow the proper steps you may wind up with big problems.

Whoa Jimmy?

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Auto insurance claim is not difficult if you follow the proper procedure and if you have any ideas on this please share with our readers the comments.

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