Car Insurance Claims

car insurance claims

Car insurance claims can be tricky if you don't know what you are doing.

On the other hand, if you know the proper procedure, you can file your auto insurance claims with confidence.

First of all, you need to be aware that there are certain steps to take if you are in an accident. This page about filing an accident auto insurance report will provide you with more details on exactly what you need to know and what you need to do.

Follow those steps so that you will be fully prepared to file your auto insurance claim and get swift results.

Of course, there may be times when your damage or loss may be as a result of something other than a car accident. You may suffer loss from theft, vandalism, or an act of nature.

Even then, you need to know how to go about filing car insurance claims successfully.

Steps In Filing An Insurance Claim

Every state has specific laws that regulate the process of filing claims. If you are unsure of the procedure, or question whether you have been given sound advice, it is always best to double check with your state insurance department.

Generally speaking, however, these are the things you want to do when dealing with car insurance claims.

  1. Check to see if you are covered for the damages. Phone your agent or insurer if you don't know if your policy covers the situation, even if it is minor.

  2. Obtain the claim forms you need from your insurance provider. Some insurance companies will have specific forms that they want you to use when filing a claim. Other companies will just have a list of documents that you will need to provide to support your claim. Ask your agent or broker exactly what is required.

  3. Keep accurate records. Document every step of the process, and keep copies for yourself. Write down the details of the people you speak to, and keep track of bills and/or receipts. You don't want to lose out on any of your claim because of shoddy record keeping.

  4. Confirm and adhere to any time limits. You may be limited to a specific time frame in order to file a car insurance claim. Speak to your representative and find out how long you have to file. Again, don't lose out because of procrastination. Get it done.

  5. Schedule a time for the claims adjuster to evaluate your car's damages. The insurance claims adjuster will look at your vehicle and determine what the cost of the damages should be. You will still have an opportunity to get your own estimates before the claim is settled. Don't be bullied.

  6. Get estimates for the repairs needed. Most companies will require you to get a couple of different estimates, possibly even three, for the damage to your vehicle. Discover what is required and then follow through. You will not necessarily have to accept the lowest bid. There are occasions when you may feel that the repairs will be inadequate. Argue your case if necessary.

  7. Finalize your settlement agreement. If your car is a total loss or a "write-off," you will have to decide whether or not to accept a replacement vehicle or a cash settlement. Otherwise, you just need to be sure you are happy with the auto insurance claim settlement as regards the repair of your automobile.

Filing car insurance claims may seem difficult, but if you follow these basic steps, you should come out okay. If you'd like a chuckle, take a look at some of these funny insurance claims that people have placed over the years.

You will probably have to provide your supporting documentation in person or by regular mail, but you may be able to keep track of the progress of your claim on the company website.

Just remember this - if you have faithfully paid your premiums on your auto insurance policy, you have every right to expect and receive courteous and prompt action to your claim.

Be polite but firm when dealing with your insurance agent and adjuster. If you don't get satisfactory results, there are plenty of other insurers eager for your business. Keep that in mind. :-)

If you do run across some problems after an accident (and unfortunately there are some unscrupulous characters who will try to take advantage of the situation), visit Car Accident Investigation - Learn how a private investigator can help you if you are involved in an automobile accident.

Tip on replacement parts: There are certain things you should know about purchasing replacement parts for your car. Consider advice on Toyota auto parts and other important tips for getting genuine parts for your vehicle.

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