Car insurance claims are among the most common form of insurance claims in the U.S. Every year, car owners in the U.S. file thousands of auto insurance claims due to accidents that occur at least every minute, as reported by the National Highway Traffic Safety Administration (NHTSA). In any automobile accident, the failure to receive fair compensation for auto repair costs magnifies the victim’s agony. Understanding and following simple car insurance claim rules can help streamline the claims process and ensure that you receive the settlement you deserve on time.
Here’s how a car insurance claim process works.
Record the Details
Call the police immediately after the crash and record as much information as possible before leaving the accident scene. Be sure to capture the insurance and contact details of any other individuals involved in the accident, including the other driver.
If there are any witnesses, write down their contact information, as you might need their testimony in case of contested liability. However, avoid any heated discussions or debates aimed at fixing faults on either party. Such discussions will prove futile as, at this stage, the third party has no legal obligation to safeguard your interests.
Get in Touch with Your Car Insurance Agent
Contact your car insurance agent and report the accident claim even if you think you’re not the driver at-fault. You have to involve your insurer for a chance to receive any benefits available to you through your auto insurance policy.
Involve Your Car Insurance Claim Representative
Your insurer will assign a claim representative who will ask you about the car accident and any related losses/damages. At this stage, you can ask them any questions about your car insurance policy and the specific protections it provides.
Getting a fair vehicle repair estimate is one of the most critical phases of the car insurance claim process. The claim representative will explain your options, which may include going to an insurer-preferred auto repair shop.
Avail Your Policy’s Car Hire Option
Does your auto insurance policy include rental reimbursement coverage? This option may help to offset any rental car costs you incur while your damaged vehicle undergoes repair. Before exercising the option, make sure to ask your claim representative about any applicable coverage limits.
Expect Claim Investigation
An insurance adjuster may have to look into your car crash to determine the liable party in an accident involving multiple parties or drivers. The adjustments would include working out estimates for any loss or damage covered by your car insurance policy.
Get Your Vehicle Repaired
You can now take your car to your preferred auto repair shop because you already know all the compensable costs under your policy. Your insurer may also recommend a specific body shop to you. Make sure to evaluate any unique benefits, such as auto repair warranties, before you settle on an option.
Receive Your Car Insurance Claim Settlement
You need to work with your claim representative throughout the auto repair phase. The representative will not only guide you through the entire filing and claim resolution process, but will also ensure the best automobile insurance settlement possible.
When you are insured by the right insurance company, the claim process can become really smooth for you. Talk to the team of professionals at Sausman Insurance Agency for help finding reliable auto insurance coverage. We serve Mifflintown, Millersburg, and beyond with quality policies.