Filing Auto Insurance Claims
November 6, 2010 | Author admin
The auto insurance policy that you have purchased is useful only if you are familiar with the auto insurance claims. Filing an auto insurance claim is essential to cover the financial loses caused by accident, theft, vandalism, etc. People who are completely familiar with the auto insurance claims can deal with such situations in a better way. Here are some points that are essential to be considered while filing an auto insurance claim:
Find out the level of damage or injuries and call the police: Determine the extent of damage done to your car and see if anyone needs medical attention. It is recommended to call the police directly even if it is a minor accident as you would need a police report while filing the auto insurance claim.
Get information of the other driver involved in the accident: It is very important to get license plate number, contact information, vehicle identification number, and auto insurance information of the other person involved in the accident. Also give the same information of yours to the other driver. You can obtain the information like vehicle identification number, insurers’ telephone numbers, etc. from your insurance identification card.
Look for witnesses and get their contact information: If there are any witnesses to the accident, try to obtain the names and phone numbers of those who are interested in telling what they saw. Your insurance company may ask for witness statements and they can prove to be very helpful to your auto insurance claim.
Inform your insurance agent about the accident: Inform your insurance agent about the accident as soon as possible. If possible, call your agent when you are with police as the police officer can provide more accurate information to your insurance company. This step can help you in saving additional time and hassles when you file your auto insurance claim later on.
File under another party’s insurance provider: If the accident did not happen because of your mistake, you can ask either your insurance company or other driver’s insurance company to recover the damage done to your car.
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