Things You Should Know Before Filing An Auto Insurance Claim

Driving is an unpredictable endeavor. You have to prepare for potential road changes, as well as the behavior of other drivers. Luckily, auto insurance provides a safety net. If you are involved in an auto accident, you can file a claim to receive coverage through your policy.

Here’s a look at the process of filing an auto insurance claim.

  • Contact Your Insurer Immediately

    Once you have made sure that everyone is ok, it’s recommended that you contact your insurance agent as soon as possible after the crash has occurred. Once you have notified your insurer about the accident, you can learn more information regarding what’s covered through your car insurance policy.

    It’s recommended that you compile as much information as possible before filing a claim. Try to get the contact information of the other party involved in the crash. Speak to any witnesses on the scene. You can use the other party’s insurance to assist with filing your claim. It’s also recommended to add information regarding the make and model of the cars involved, weather conditions, and the time of day the accident occurred.

  • Proof Of Claim Form

    Gathering as much information as possible can help you if your insurer requests that you fill out a proof of claim form. Your insurer may also ask you to provide a copy of the police report.

  • Technological Advancements

    Many insurance companies have installed features that allow people to monitor every step in the claims process. This is just one example of how recent technological advancements have changed the way that auto insurance companies handle claims. Many insurers have also created apps that allow drivers to report a claim, monitor the status, upload photos, and view other aspects of the process. Some apps also allow you to recreate the events that caused the accident.

  • Potential Timing Issues

    You want to avoid a scenario where your auto insurance claim is denied because the filing deadline has passed. It’s recommended that you speak with your insurer regarding a time limit for filing claims or resolving disputes. Some insurance carriers also adhere to a deadline regarding submitting extra information related to the claim.

  • Transparency

    It’s recommended that you fill out the auto insurance claim form carefully and stay in constant contact with your agent through the process. Try to keep thorough records of any relevant information regarding the claim. Don’t hesitate to contact your agent if you have any questions.

  • Potential Rental Coverage

    Generally, you should be able to drive a rental car while your car is being repaired as long as you have rental reimbursement coverage in your car insurance policy. Contact your insurer to discuss your options.

Consult With Burton A. Harris Insurance Agency

The auto insurance claim process can be stressful at times. However, following these guidelines can help things run as smoothly as possible. If you have any questions, contact our team here at Burton A. Harris Insurance Agency, and we will assist you in any way possible.