Step By Step Guide In Filing Your Auto Insurance Claim

By Author: Michael Scott
Total Articles: 46
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Road accidents are events that no one hopes to happen to anyone. But, accidents do happen. And when they do, you would rather be prepared to do the right steps, don't you? Rather than be left on the side of the road, fidgeting, and at a loss of who to call, or what to do. With the following steps in filing your claim, we hope to ready you for the unhoped for but not totally unexpected - meeting an accident on the road.

Now for the pre-emptive action. Read and absorb what your auto insurance policy says before experiencing any loss. If there are things that are not clear to you, call the representative or the auto insurance provider's customer service. Ask what is covered and what is not.

And when at the midst of the mishap, see if anyone needs medical attention. Even if no one is bleeding or in immediate pain, it does not mean that everyone is damage free. It is highly recommended to have them have a checkup at a hospital nearby or with your family doctor, at the soonest possibility. You should remember that minor injuries can become major, long-lasting injuries.

Sure you may be angry, but keep ...
... that temper in check. Rather, have the presence of mind to do something constructive and necessary. Prioritize exchanging information with the other party involved in the accident. Get the other driver's name, address, phone number, insurance provider, and insurer's contact numbers. Be prepared to give the same information about yourself to the other driver. Your insurers' telephone numbers are on the proof-of-insurance cards that should be carried on your person at all times when operating a motor vehicle.

Identify witnesses and request from witnesses to the accident for their names and phone numbers in case their accounts of what transpired are needed.

Contact local law enforcement officers to have an accident report prepared and file an accident report accordingly. Detailed instructions on how to file accident reports are also available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site. Perhaps after you read this guide, you might want to have a quick look on it.

Inform your auto insurance provider about the accident at the soonest possibility. An insurance adjuster will review the accident report to determine who was at fault in the accident. If you were not the party at fault in the accident, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. In case you use the other party's insurance, you will not have a claim on your automobile policy and you will not have to pay a deductible.

Keep in mind that you are a customer. So, not until you are satisfied with the damage settlements, do not relieve your insurance company that soon. Just an example, have your insurance company handle the claim if the other party's insurance company disagrees with its policyholder's negligence or offers an unacceptable settlement.

Knowing these steps will hopefully make you a better educated driver who knows what to do even in the most difficult of road situations.
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