How to Deal With Your Auto Insurance Company After an Accident
When you are involved in an accident, whether you are at fault or not, you need to contact your insurance company. Remember that you have paid your insurance company to help you in case of an accident. Now that one has happened, allow the company to do their job. Dealing with an auto insurance company after an accident is not difficult if you know what to do.
- Call your auto insurance company claim line within 24 hours after the accident occurred. If you do not know the claim number, contact your company and let a representative know that you need to file a claim. You will be redirected to the claim’s office.
- Let your insurance company know exactly what happened. It is not your job to determine who was at fault or what will be paid for by which company. Simply tell the representative exactly what happened.
- Write down your claim number and do what the representative tells you to do. You may need to wait for an adjuster to contact you, or you may need to make arrangements for a rental vehicle.
- Get a quote for the damages for your vehicle. You will need to know how much it will costs to repair your vehicle.
- Let the insurance company know the quotes or charges for your vehicle. They will be able to let you know how much you will need to pay for deductibles or charges not covered by your policy. If you are not at fault, the other driver’s insurance company will contact you. You can continue to work with your auto insurance company to make sure that everything is being done properly.
- Settle with your auto insurance company or the other driver’s auto insurance company. Once you cash a check, have your vehicle repaired or end communications with the insurance company regarding this claim, then the claim will be closed.