Car insurance can be a lifesaver if someone hits your vehicle or you’re otherwise involved in an accident. Filing a claim after an accident helps you receive coverage for medical bills, property damage and legal costs associated with an accident. Yet, sometimes, the claims process can be confusing.
Here are some useful tips for filing an auto accident claim and dealing with your insurance carrier.
Filing An Insurance Claim
By making a claim, you give your insurance company the information needed to process the claim and send you the check for your covered amount. The insurer typically assigns a claims adjuster to assess the damages. The adjuster determines the amount of money the insurance should cover. Usually, the claim is paid via a physical check or by direct deposit into your account.
What Should You Do Following An Accident?
To help the claims process go smoothly, perform the following tasks following an accident:
- Call the police.
- File an accident report with the authorities.
- Document all the information you can remember about the accident.
- Call your insurance carrier.
- Assist the claims adjustor with truthful answers.
Do You File With The Other Person's Insurance Too?
Following an auto accident, you don't have to file a claim with the other driver's insurance. You only have to report it to your own insurance provider.
Coverage For A Car Accident Or Claim
Claims are paid from your comprehensive or collision coverage, or from any coverage written into your policy. Sometimes, multiple sections of your policy are tapped for damages and other expenses.
Ask your insurance agent how your policy handles the claims process.
Problems With A Claim
Your insurance company should help you throughout the claims process. As a customer, you're entitled to an expeditious claims processing settlement. If you have any problems with the claims adjuster or processor, ask if the company has an ombudsman or supervisor who can expedite your request.
Auto insurance coverage saves you from financial hardships in the case of an accident. Although the claims process can be stressful, knowing how to escalate your claim calmly and coolly helps you resolve any conflicts that arise.