Useful Info on Filing an Car Insurance Claim

Closing a good deal with the purchase of your car insurance means that you have already done the specific research and found the best solution for your car insurance coverage and your car needs. Once you have the insurance you know that through this deal you can always benefit from filing a claim when various mishaps take place.

Car Insurance Claim

 

How does this filing for car insurance claim work? Just read on and find out by following the steps from below:

  • When the accident has taken place, make sure that no one got hurt to need medical assistance. Afterwards call your car insurance agent as soon as possible to find out whether or not the loss that you have just undertaken is covered by your insurance policy. The agent will need to know more of the accident’s details even if they seem minor ones at the first sight.
  • Inquire further on the steps that you must take and what type of documentation (police report, ‘proof of claim’ and so on) is there needed to file for the claim.
  • Other questions that you should ask your agent relate to the existence of any limits when filing for a claim. Ask also about the way disputes are resolved and how the bills are submitted. Is there necessary for you to estimate your damages, can you benefit from a car rental while yours is in the service workshop?
  • Be as accurate as you can in providing the necessary information for the car insurance claim while keeping copies for yourself of all the documents involved in the process along with contact details of everyone dealing with this issue.

You should know also that with the filing for a claim you can have issues while settling this part with your insurer. In case this thing occurs, you should get in touch directly with the company or the head of the department dealing with claims. You should let them know what is the problem you are facing with while filing for the claim. At this point, the copies of the documents that you have saved will come at handy for the dispute.

In your car insurance policy you will learn about the way to settle the dispute and in case your agent won’t satisfy your needs, then you should contact the head of the claim department. Your case will be then studied by an arbitrator (a neutral party) while with some extreme cases there could be the need of an attorney.

You might as well fear that the premium will increase with the claim you have filed for, but this happens in the case where a certain monetary threshold is reached with the charges paid for the claim. But no matter what, whenever you are involved in an accident make sure that you report it, even if this will result in being set with higher premium. Consider that this accident while unreported might have legal actions as outcome that is turned against you and thus you won’t benefit from your car insurance policy at all.

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