Auto Insurance Claims Simplified
Filing an insurance claim can be confusing, even under the most ideal circumstances. Understanding the claims process will ensure you get the compensation you deserve. Here’s what you should know before you file a claim:
1. Understand your policy. Before an accident even happens it’s important that you read and understand your policy. Be aware of your policy deductibles–the portion of any claim that you are responsible for paying. If there’s anything in your policy you don’t understand, ask your agent or representative.
2. Know what to do after an accident. Stay calm and remain at the scene after an accident. Make sure the accident has been reported to the police and then exchange insurance information with the other driver. If the accident was the other driver’s fault you will need to notify their insurer. Most insurers have claim hot-lines available. Report the accident as soon as possible; most policies state that claims must be reported within a short time following the accident.
3. Provide correct information. Your claim processing may be delayed if you give any incorrect or incomplete information. The insurer must be provided with any and all information relevant to the claim.
4. Document contacts. Keep a log of all phone calls, e-mails and in-person contacts with everyone who is involved in the claim. Make sure you record the name of the other person, the date and time the conversation occurred as well as a detailed summary of what was discussed.
5. Document all losses. Time lost from work and/or any other expenses which are a direct result of the accident need to be documented and reported to the insurer.