Guidelines in Filing an Auto Insurance Claim
All the headaches involved in auto insurance claims will be avoided if you know what to do if you have one. You can also have better value for your insurance dollars. So if you car is involved in an accident, if it is damaged by fire, flood or vandalism or if it is stolen, then you can make your insurance work for you. In order to do that, follow these steps in filing your insurance claim.
You should first call your insurance agent or the company’s representative. It is important to do this as soon as possible no matter where you are and even if another person has caused the accident. What you will ask your insurance agent is how to proceed and the paperwork or documents that you would need to support your claim. What the company will require you is a proof of loss from and documents that relate to your claim. Your medical records and car repair bills plus a copy of the police report are important documents that you should include.
When selecting an auto body repair shops to fix your car, you make your own choice. Insurance companies should not steer customers to specific repair shops.
If you find a good body repair shop, it will give you guarantees and specific repair timelines. BEfre signing off on repair costs, find out settlement amounts since your insurance policy has certain limits and deductibles. A list of auto body repair shops backed by guarantees on repair and labor will be given by your insurance company if you cannot find a god body repair shop to bring your vehicle to.
Insurers that asks for information should be given the information that they need. When your insurance company is investigating, you should cooperate with them. You should also cooperate when it comes to settlement or defense of any claim. You should turn over to the company copies of any legal paper that you receive in connection with your loss. Your insurer will represent you if a claim is brought against you and you will be defended by the insurer if you are sued as a result of the accident.
You should keep a record of your expenses. Because of the auto accident, you may get reimbursement for the expenses that you have incurred. Your policy contains this. All your medical and hospital expenses and other costs as lost wages will be paid by your no-fault insurer. You should have copies for your paperwork. You need to store copies of all paperwork in your own files. It will be useful to refer to them later on.
It is important to talk things over with your agent or an adjuster if the offer that they are giving you is not satisfactory. Then check your policy to see what the steps for settlement are that it outlines.