Filing an Auto Insurance Claim

By Compuquotes Team on March 27th, 2008
Auto Insurance

When you are involved in an auto accident then you must act quickly and efficiently immediately after the incident. First you need to call the police to get any assistance after you have made sure everyone is not injured, if there is someone who is injured then immediately call your local emergency service 911.

Once you filed a report then the next thing you need to do is let your insurance company know that you were involved in an accident. Generally when you call your agent they will be able to help you through this process. Know that it is your insurance company's responsibility to perform a correct, appropriate, and reasonable investigation regarding your claim.

If you believe that you are not at fault then you have the right to call the other driver's insurance company. If you are involved in a claim and it is denied then you also have the right to a reasonable explanation as to why you were denied. There are some states that are comparative negligence states which mean that if both drivers were at fault then the insurance companies then determine the amount of fault and split the claim based on the fault of each driver.

If your vehicle is wrecked and you need a car to get to and from work then you are allowed to rent the best car that your coverage will allow, if you have this coverage on your policy. Also make sure that you have collision coverage on the rental car to prevent a bad situation from getting worse.

If you are confused or feel that your claim was dealt with in an inappropriate manner then you can check out your state's Department of Insurance for Insured Drivers' Rights. You can easily get to this information online at the website including the fair resolution of insurance claims and what your rights are in a claim.

You should always get a complete copy of your insurance claim including every document that involves it because we are all human and make mistakes. Make sure that you aren't leaving out any important information or aren't getting charged for something that you don't feel you are responsible for. If you wait until after your claim is settled to get a copy and find a mistake then it is too late to do anything about it.

If for any reason your insurance company doesn't want to supply you with a complete copy of your claim then you can and should file a complaint with your state's department of insurance and may even want to hire an attorney. You attorney can subpoena your insurance company to hand over a copy of your claim.

Don't ever take your insurance company's word for home much your cars actual cash value was before the accident. You should lead the evaluation process and check out websites that will help you determine your vehicles worth especially if you have custom detailing, trim, paint, or features that make your vehicle more valuable that the standard Kelley Blue Book value.

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