Have you been in a car accident? Then you will probably need to file claim with your auto insurance company to compensate you for injuries and damages. Or, you may need to contact your insurance company if you are liable for damages in the accident.
You pay a lot of money every year for your auto insurance policy, so don’t be shy about filing a claim when you need to. Filing a claim after your car accident is easier than you might think. Here’s what to do:
Contact Law Enforcement
After the car accident, you should call the police so they can come to the scene. It is important that a police report be filled out; in many cases, the police report is an important part of assigning blame in the accident. Usually, the responding police officer will give his or her opinion about who caused the accident.
Collect Car Accident Information
You will need to have evidence of the accident, injuries and damages. If you can, take pictures of the crash scene, your injuries and property damages. Also take photos of the cars involved in the crash and their position before they are moved by the police or towing company. The more information you have that shows what happened, the stronger your claim will be.
Call Insurance Company
Call your auto insurance company from the crash scene as you are waiting for the police, if you can. Your insurance adjuster is highly trained to handle a car accident claim and they will provide you with a list of everything you need to do.
If the car cannot be driven, they will tell you what to do with the vehicle and how and where to tow it. Once you have talked to your insurance company, they will open a claim and begin the claim process.
Claims Specialist Is Assigned
The insurance company will assign a claims adjuster to your case. The adjuster will deal with any discussions with other parties, including the other driver and insurance company. They will look at the circumstances of the crash and will work on your behalf to get the claim settled and your car repaired.
Your vehicle will be taken to a collision repair facility and the adjuster will contact that shop to get an idea of what repairs are needed. The adjuster may go to the shop physically and perform an assessment of your vehicle damages.
The claims adjuster will also review your personal injury claim, if any, and will work with you to handle the cost of medical bills.
Get Your Car Fixed and Claim Paid
After the claims adjuster has performed their research and inspection, you should know what it will cost to repair your car. You also will know if you have to pay your deductible. If the accident is the fault of the other driver, you may be reimbursed your deductible later.
Making Sure The Claim Goes Smoothly
If you are having trouble with your claims adjuster, you can speak to your insurance agent who sold you the policy to get it resolved. Also, if you are dealing with an accident with a lot of damages and injuries, you may consult a personal injury attorney to take over negotiations for you.
If you need to find a personal injury attorney in your city, you can use our website to help you. There is no obligation for this service.