How to File Auto Insurance Claims
Prompt and accurate reporting of an auto insurance claim is essential to speedy resolution of the loss or damage to your vehicle. Claim reporting requirements vary depending upon the insurance company and automobile policy, but there are basic steps to the successful reporting of your claim. Understanding the auto insurance claims process will facilitate a satisfactory conclusion of your claim.
- Contact your insurance agent or carrier. It is important to report an insurance claim as soon as possible. This enables the insurance company to quickly address any immediate concerns and begin the process of inspecting, repairing, and restoring the vehicle involved. If you were injured in a car accident, your insurance carrier will also verify your injuries and medical treatment. Prompt reporting also eliminates the possibility of violating any reporting timeframe of the insurance policy.
- Provide any documentation and information requested by your insurance carrier. Review your insurance policy to understand what coverage is available to you under your auto insurance policy.
- Determine if a claim should be filed with another insurance carrier. Your insurance company will review the police report and your version of the loss to determine the liability of the parties involved. If you are not at fault, you can file a claim for your injuries and vehicle damage with the insurance carrier of the at-fault party. Again, it is important to contact the insurance company as soon as is reasonably possible. This claim will not involve a deductible and does not result in a claim under your own policy. The other insurance carrier will also request documentation of the loss and might request a recorded statement from you.
- Choose a repair facility. If your vehicle is still in your possession, it will need to be brought to an auto body shop. Many states have laws preventing the insurance company from directing, or steering, you to any particular repair facility. An adjuster from the insurance company will inspect the vehicle. There are laws regarding the timeframe in which the carrier must inspect the vehicle. Inquire about coverage for the use of a rental vehicle while your vehicle is being repaired.
- Review your claim and be sure it has been concluded to your satisfaction. Once your vehicle has been repaired, you will be asked to sign a form releasing the insurance company from further payment. It is important to understand what you are signing and what impact it may have on any subsequent requests for coverage. If your claim was processed through your insurance carrier, contact your agent or representative to find out how your claim might affect your policy or insurance rates.