Filing An Auto Insurance Claim

By Author: Michael Scott
Total Articles: 46
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Having adequate car insurance coverage is a must if your car is stolen or you end up in an auto accident. You will certainly decrease your liability if you are sued if you arre found at fault in an accident. If your auto insurance coverage is not sufficient to pay for the damages, you may also be found personally liable. Filing an auto insurance claim can be confusing. However, there are some of basic procedures to ease the pain:

When you get involve in an accident, you need to contact the police and your insurance company. Your car insurance provider will need a reference number from the police report and this normally applies even if you don't have comprehensive auto insurance coverage.

After your car insurance company knows about the incident, you should give them the proper documentation in order to process your car insurance claim which includes vehicle's proof of ownership, license details, personal details and others. The insurer must also be informed of some descriptions: It may be a digital camera that was destroyed or lost, two cases of beer in the back seat, etc. You must also mention any added ...
... accessories in the vehicle or anything that would have given added value to the car like an expense radio and sound system in the car. If the car was stolen, you must also tell the insurer the area where the car was parked and if there were any security features enabled. The auto insurance company will also want to know the names and details about the other people who had access to the vehicle.

When filiing a stolen vehicle claim, all information must be documented. Here are some of the situations where every policy holder thinks that they are insured but unaware of some detailed terms and conditions to the policy.

Anti-theft devices - Your insurer must specify what security devices are which may includes gear lock, tracking devices and others. If you don't have some of these security devices then your car insurance claim becomes null and void. Keep in mind that the more security devices you have the lower your monthly premium will be. You also need to make sure that these added accessories are approved by the insurer.

Overnight Parking - At the time when you purchased your policy, you would have specified where you park your vehicle at night. If the car was stolen because you left the garage door and car door open, your auto insurance policy may become null and void.
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