A Guide to 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. Your insurance dollars will have better value. 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. You can file your auto insurance claim by following these steps.
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. You need to ask your insurance agent how to proceed, and what documents or forms are needed to support your claim. Your company may require a proof of loss form by your company 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.
Choose the best auto body repair shops when going for auto body repair. It is prohibited by law to steer customers to specific repair shops.
With a good body repair shop, guarantees will ve given and they have timelines for their specific repair. 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.
When your insurer asks for information, then you should give it immediately. Some times these insurers will be investigating on the case so you need to cooperate with them. When it comes to settlement or defense of any claim, you should also cooperate. Copies of any legal papers you receive in connection with your loss should be turned over to the company immediately. 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.
Make sure that you keep a record of your expenses. You may get reimbursement for the expenses that you have incurred as a result of the automobile accident. And this is under your policy. All your medical and hospital expenses and other costs as lost wages will be paid by your no-fault insurer. make copies for your paperwork. You need to have your own files where you will store your paperwork. You can refer to them later on.
If you are not satisfied with the settlement offer, then you should talk things over with your agent or an adjuster. Check out your policy to see the settlement steps that it outlines.