15 Important steps to filing a auto Insurance claim

1. Ensure Safety at the Scene (IMPORTANT)

Its advise to take these first four steps:

STEP 1. Start with prioritize safety.

STEP 2. Move to a safe location if possible.

STEP 3. Check for injuries and seek medical assistance if needed.

STEP 4. Contact law enforcement to report the incident.

2. Gather Information

Collect details from all parties involved (names, contact information, insurance details). This will be added to the information you will share with the law enforcement and your insurance company. Use your phone notes to save the location , time and date of the accident. (if it’s a hit and run, look for witnesses who may of seen the accident. Politely ask for their contact information, if they are willing to share.) Also, important to do is take photos of the scene, damages and license plates. (Learn more about hit and run claims) 

3. Exchange Information

Share your contact and insurance details with the other parties involved. Obtain contact information from any witnesses.

4. Document Damages

The best way to document damages to your vehicle is with photos. Use your mobile phone or any other device that has a camera on it. Take pictures from all four sides of the vehicle.

5. Report to the Police

File a police report at the scene or as soon as possible. Also request a copy of the police report for your records. Did you know you can call the non-emergency line for your area and make a claim over the phone if the police are unable to come to the incident. Definitely find out how your local police department will do a police report over the phone. 

6. Notify Your Insurance Company

Please make sure to contact your insurance company promptly. Providing them with the details of the incident and follow their specific guidelines for reporting a claim. Your insurance company may ask you to get repair estimates from their list of companies they recommend as a reputable auto repair shops. Make sure you compare costs. 

7. Obtain Medical Records (if applicable)

If there is bodily injuries of any kind, first and foremost go to the hospital emergency room for a check up or ambulance that has came to the scene. It is better to be safe than sorry later. Make sure you gather all medical records and billing statements pertaining to the incident. This information you will need for your records as well as the insurance company.

8. Complete Claim Forms

Your insurance company will require you to fill out any required claim forms either by mail or via your email address. Please take the time to be thorough and accurate in providing information.

9. Work with Claims Adjuster

When comes time for your insurance company to review the incident they will have a claims adjuster to contact you. Please Cooperate with the claims adjuster assigned to your case. Provide all requested documentation promptly. This will help expedite the claim.

10. Understand Coverage

Find your insurance policy documents and familiarize yourself with the coverage limits and deductibles included in your policy. If you are not familiar with the jargon you can visit the insurance company website under claims or you can call their customer service department who will assist you with the details of the policy. Another way to get understanding is contacting your insurance agent/advisor who can help with understanding the coverages. 

When making a claim please understand most insurance carriers will require you to pay your deductible first before beginning the process of repairing your vehicle or paying for the auto repair company.

11. Keep Records

Create and maintain a file with all relevant documents, including correspondence with the insurance company, receipts, and estimates. Keep in records for up to 5 years in case the record is still showing on your insurance history or if the incident has gone to court.

12. Follow Up

Regularly follow up with your insurance company for updates on the claim status and inquire about the timeline for resolution.

13. Dispute Resolution

If there are disputes, work with your insurance company to reach a resolution. Seek legal advice if necessary.

14. Claim Settlement

Once the claim is settled, review the terms and confirm that you agree with the resolution. Receive the settlement amount and proceed with repairs or medical treatment.

15. Close the Claim

Confirm that all aspects of the claim are resolved. Again, keep documentation for your records for up to three to five years.

Tips

– Report the claim as soon as possible.

– Be truthful and provide accurate information.

– Keep communication with the insurance company open and clear.

– Understand the terms of your policy.

Note:

This guide provides general steps for making a personal auto insurance claim. Specific procedures may vary by insurance company, so always follow the guidelines provided by your insurer.