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How to Fill Out an Auto Insurance Claim

By Compuquotes Team on March 27th, 2008
Auto Insurance

Learning how to fill out your auto insurance claim properly can save you from a lot of headaches. The first thing you should decide is whether or not you need to fill out a claim. If you should call the insurance company to ask whether or not you should file a claim, they will often place the information on your insurance record. It is very important for you to make sure you maintain a clean insurance record. Whether or not the accident was your fault is irrelevant. Before you make a call to the insurance company, you must decide if you can pay for the damage yourself. If you have enough money to pay for the damage out of your own pocket, you should avoid filing for the claim.

If you should have a car accident, you will want to get as many details as you can. This information must be documented, and you should find witnesses that can talk to your insurance company to explain what happened. If you make the decision to file an insurance claim, you should do so immediately after the accident. This is important even if the accident is not your fault. When you file the claim immediately after the accident has occurred, the insurance company will act as your personal advocate. There may be some scenarios in which there is a dispute between you and the driver. You may even receive a call from their insurance company.

When they call you, they will want to hear your side of the story. If you should receive a call like this, you will want to take the time to document everything that is discussed on the phone. You should also get the name of the customer service representative who contacts you. The next stage of the insurance claim process is to get your car repaired. If you can see that your vehicle has had damage to the body, you will want to take the time to have it fixed. Once the insurance company has accepted your claim, they will send out someone to assess the damage. This person is called the insurance adjuster. More than likely, they will only allow you to get your car repaired at a shop of their choosing.

Hopefully, you never find yourself in a situation where you are considering filing a claim. If you do, you will want to play it smart. If the insurance company determines that the accident was your fault, you can expect to have your insurance premium increased. If you know it was your fault, and you have enough money to pay for the damages, it might be better to avoid filing for an insurance claim. Otherwise, filing for the claim may be the wisest course of action. It is also important for you to read the documentation that came with your insurance. Different insurance company will have various methods they use to handle situations where the driver has got into an accident.

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