The Aftermath of an Accident: Learn How to File Your Auto Insurance Claim in 5 Easy Steps

Posted on 25 October 2018 by Tony Santos

No matter how minor they are, car accidents are stressful occurrences. When you have to file your auto insurance claim it can become even more difficult.

To take the guesswork out of the matter, here are 5 easy steps to walk you through filing your auto insurance claim.

How to File Your Auto Insurance Claim in 5 Easy Steps

When you are in an automobile accident, it is important to take care of your health first and seek emergency treatment if you are injured. Beyond that, you want to ensure that your property damages and medical bills are covered, so you will need to file your auto insurance claim correctly.

To avoid problems later in getting your claims paid, be sure to follow these simple steps when you file with your insurance company.

Call the police right away

Whether you are injured or not, your insurance company is going to require a police report to process your claims. This will help them determine who the at-fault party was and which insurance is responsible for your bills.

Sometimes there are discrepancies with the police report and your insurance company will deny your claim. If this is the case, or if you are injured in the accident, you should immediately seek help through avenues such as Derrick Law Firm’s expert legal services to ensure you are getting the benefits you are entitled to from your policy.

Collect your own set of evidence

The police and emergency officials will be doing their job, but you want to protect yourself as well. Take a few minutes, if you are not injured, to go around and take pictures and/or video of the accident scene. Write down the names, phone numbers, and addresses of any potential witnesses.

Be sure to get the personal information and insurance card from the other driver, as well. You will need this information to file your insurance claim, and you may need the other evidence to provide to your adjuster if there are disputes.

Call your insurance company

As soon as possible, call your insurance company and report your claim. You will need the information above, but even if you do not have all of it, don’t delay in reporting the accident.

Some insurance companies have a timely reporting policy, and if you wait beyond their time limits they can legally deny coverage for your damages.

Speak to your claims adjuster

Your adjuster will be your go-between to discuss any issues between the other insurance companies involved and you. They will help you find a covered mechanic to fix damages, help you get a rental vehicle if you have coverage, and handle any personal injury claim you make.

The Steps are Simple to Filing Your Claim

Don’t let the paperwork overwhelm you in a stressful situation. Follow these four simple steps and you will be able to focus on recovering from your accident, getting your car fixed, and taking care of your injuries.

 

 

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