When you get into a car accident and especially if it is your first time, it can be very stressful. Not only do you need to deal with the accident, but then you will need to contact your auto insurance to file a claim and get your car fixed. Filing a claim isn’t as stressful as you may think it is. Today, InsureWise will walk you through the steps of filing a claim with your auto insurance company when you have been in an accident.
What is the First & Next Steps in Processing an Auto Insurance Claim?
The steps of filing a claim with an auto insurance company can vary depending on your insurance company and the type of policy you have. However, generally the process involves fairly similar steps.
Step 1. Collect Your Information: It is important that you gather as much information as possible about the accident. Some of the essentials can include the location, date, and time of the incident. You will want to get the names and contact information of other drivers involved as well as any names and contact information of any witnesses you can find. Lastly, try to get a copy of any police reports.
Step 2. Contact Your Insurance Company: The next step is to contact your insurance company. You will want to reach out as soon as possible after the accident. Your insurance company will be able to provide you with more specific instructions on how to file your claim.
Step 3. Provide Details: When you do contact your insurance company, be ready to give details about the accident, including the details such as the extent of the damage done to your vehicle and any injuries you or others passengers may have sustained during the accident.
Step 4. Submit All Documentation: Your insurance company will often ask you to submit the needed documentation, such as photos of the damage or medical bills, to support your claim. It helps to already have all of the requested documentation and submit it as soon as possible.
Step 5. Investigation of the Accident: It is fairly standard for the insurance company to perform an investigation of the accident to determine who was at fault as well as the extent of the damages. Be prepared to cooperate with their investigation by providing any additional information they may request and schedule an appointment for the inspection of your vehicle.
Step 6. Receiving Your Settlement: If your claim is approved, your insurance company will then provide you with a settlement. The settlement may cover the cost of repairs or replacement to your vehicle, medical bills, and other expenses related to the accident.
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Again the exact steps and requirements for filing a claim with your auto insurance will vary depending on your policy and your insurance company. When filing a claim be sure to carefully read over your policy and follow your insurance company’s instructions when you are filing a claim. Never be hesitant to contact your insurance company if you need help filing your claim. For quality insurance services, contact InsureWise today.