How to File an Auto Insurance Claim
If you know what to do with your auto insurance claim then it can be spared you from experiencing headaches. it will give you better value for your insurance dollars. It is possible to have your isnruance work for you in case you meet an accident, or when you care is damaged by fire, flood or vandalism, or if you are is stolen. The following steps will teach you how to file an auto claim insurance.
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. When you call your insurance agent you need to ask how to proceed with your claims, and ask him what paperwork is needed to prove your claim. Your company may require a proof of loss form by your company and documents that relate to your claim These can include medical records and car repair bills, and a copy of the police report.
When selecting an auto body repair shops to fix your car, you make your own choice. It is prohibited by law to steer customers to specific repair shops.
If you find a good body repair shop, it will give you guarantees and specific repair timelines. Your insurance policy has certain limits and deductibles, so find out settlement amounts before you sign off on repair costs. 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.
The information that your insurer needs should be provided. You need to cooperate when your insurer is investigating. You should also cooperate when it comes to settlement or defense of any claim. Legal documents that you receive in connection with any claim should be turned over to your company. You will be represented by your insurer if a claim ib brought against you and defend you if you are sued as the result of an accident.
You should keep a record of your expenses. You may get reimbursement for the expenses that you have incurred as a result of the automobile accident. This is part of your policy. All your medical and hospital expenses and other costs as lost wages will be paid by your no-fault insurer. Your paperwork should have copies. You need to have your own files where you will store your paperwork. 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. Check out your policy to see the settlement steps that it outlines.