- 28 Apr 2022
- Reading time
- 7 minutes
Car insurance companies are notorious for being difficult to deal with when it comes to filing a claim. They often have a lot of forms and hoops to jump through before they actually process your claim. This can be extremely frustrating, to say the least.
The best thing about car insurance is that you get to be insured against the loss or damage of your vehicle. The worst thing about car insurance is that it comes with a whole bunch of paperwork, and you have to be very careful about the claims you make. The following are some simple tips to follow when filing a car insurance claim.
Contact the insurance agent as soon as possible
If you have been in an accident, you have to contact your insurance agent as soon as possible. Some people don't contact their insurance agents because they think it's going to be a huge hassle. However, if you don't contact your insurance agent when you are in an accident, you could be hurting yourself. Your agent could cut you off if you don't contact them soon enough.
Take as much evidence possible to present to insurance claims
Taking pictures of the damaged area is one of the best ways to make sure that you get the most money possible. Not only do you want to take pictures of the damaged area, but you also want to take pictures of the whole car. You will want to show the insurance claims agent that the damage is on the whole car and not just a specific part of the car.
Understand your coverage
When you buy a car insurance policy, you're actually purchasing a bundle of coverages. The most common is your liability insurance, which includes bodily injury, property damage, and medical payments for others for injuries caused by a crash. But you also likely have coverage for your own injuries, car services such as towing, and your car if it's stolen or damaged.
Read the fine print before signing any documents
If there is any way you can avoid having to file an insurance claim, it's important to do so. Although filing a claim will result in a financial loss, it will help you in the long run. However, if you have no other choice than to file an insurance claim, make sure to read the fine print before signing any documents. The insurance company will try various tactics to make you settle for less with various forms and deals. Although they may look tempting, you will be cut short on your full claim. This is why it's important to search for lawyers for auto insurance claim and hire one to help you deal with all insurance company tactics and the filing procedure for the best compensation.
Keep notes of your conversations with the insurance company
If you are involved in an accident, you need to be very careful about how you communicate with the other driver's insurance company. You may be tempted to tell them about how the other driver was at fault for the accident and that you were only following the law by driving on the right-hand side of the road. While it is true that you were driving legally, it is important to remember that you were involved in an accident, which means that you could be found partially liable. If you tell the insurance company this, you could find yourself in a situation where you are not only making a claim against the other driver's insurance, but you are also making a claim against your own insurance.
One of the most important things to do when you make a claim is to keep notes of your conversations with the insurance company. You'll want to record the date and time of the conversation, who you spoke to and what they said, and any other details you can remember. This is especially important if you're making a claim for a car accident.
What to do before filing a car insurance claim
When filing a car insurance claim, there are many aspects that you need to be aware of. Let’s look at them below.
Filing a claim is important in the event of an accident, but there are other important things as well. Finding help is necessary if someone is hurt due to the accident. Don’t hesitate to call 911. If a collision happens, don’t exit the spot of the accident. Stop there or somewhere not too far away, but ensure you or others are no longer in danger. Take your time to assess the situation and don’t take responsibility for the occurrence.
A police report should be filed if need be, which is why law enforcement needs to be called to the scene.
If your car has been damaged badly and will require towing, there are two ways to go about it.
1. File a towing claim
Filing a towing claim is one of the options you have. Your insurer can help provide towing to the auto repair location and back. The cost incurred from towing can be offset later during the proper insurance claim.
This route can be avoided if your policy includes roadside assistance coverage. This means you can readily file a claim as soon as possible, and towing will be taken care of without further procedures. However, this coverage may come with certain restrictions like maximum towing distance. Thus, find out the towing information available in your car insurance policy.
Reimbursement after Upfront payment
Another option regarding towing your vehicle is to take charge of the situation yourself. This means you are responsible for calling the police or towing establishment to come to your aid and will settle the bills.
After that has been done, you will need to save your receipts as evidence of payment so that your insurance company can reimburse you when you later make a proper car insurance claim. Other ways reimbursement can be possible are if your car’s warranty, a different service provider, or even a credit card company provides you with car towing coverage.
When should I file a car insurance claim?
A car insurance claim should be your next step after being involved in an accident. If the accident causes injury to you or someone else or damages to their car or property, you will need to file an insurance claim. Other situation that may require you to file a car insurance claim includes:
– A car accident involves you and another driver, and you do not know who is to blame.
– A tree or some other object falls on your car and damages it.
– An object damages your windshield.
– You mistakenly damage your car and the door of someone else’s garage.
– Theft of your car or catalytic converter.
It is vital to thoroughly check your car insurance policy and know what is covered and the deductible required when such things occur. Ensure you also communicate with the insurer to prevent any problems.
Can I file a claim with another driver’s insurance company?
It is possible to file a claim with the other driver’s insurance company involved in the accident. However, you need to be confident that you are not to blame for the accident. This claim is known as a third-party claim.
Paying a deductible will not be required of you if you do this. The opposing insurance company will provide an adjuster to access the situation and propose a settlement. If the settlement is not okay with you, you can take the case to your insurance company and let them handle the matter properly.
What you need to file a claim
If you can access your insurer’s online platform, you can start filing the claim there. You can also do it through the company’s mobile app or over the phone.
What is the duration of car insurance claim settlement?
Once you have filed a claim, the time of settlement depends on the severity of the damages, the company’s take on the situation, and how complicated it is. Thus, settlement may occur within a few hours, weeks, or months.
Following the tips above will ensure you know what to do when filing a car insurance claim. This will make the process run smoothly.