4 Simple Yet Effective Steps to help you file auto insurance claims


Meeting with a mishap when driving an automobile can be one of the scariest things to happen in one’s life. In addition to causing pain, injury and loss of income it can also dent a hole in your pocket if you car does not have a valid auto insurance policy. You will also have the added responsibilities of filing a police complaint, dealing with the driver of the other vehicle and also filing an insurance claim. For people who are encountering such situations for the first time in their life, the entire experience may be very stressful.

Having a good auto insurance policy by your side can ease the situation to a great extent and take away the stress of financial loss. The challenge, though, is filing for an auto insurance claim to cover costs for the damages. Though the process of filing an insurance claim is relatively simple, you need to follow a step by step approach to ensure the entire process is transformed into a hassle free experience.

Do you want to file a claim?

Well, this is the first question you should ask yourself before filing for a claim. While filing an auto insurance claim will provide you financial relief, it will also leave a mark on your insurance claim history. This will have an impact when you either want to renew your existing insurance or purchase a new auto insurance coverage. If you can easily foot the bill for the damages caused without any problems, then, it is recommended to do that instead of going through the entire process of filing for a claim from the insurance company.

Prepare a document checklist

The insurance companies are well known for their keen eye to details. Even if there is one loophole through which they can wriggle out without paying out any compensation, they will do that without a second thought. Hence, prepare a checklist of all the documents you will need in order to file a successful auto insurance claim. You may even want to consider the option of placing a call to your auto insurance company and finding out what the company will look for. Any insurance agent answering the call will be able to provide you with that information.

File for the claim at the earliest

If you want to be successful in getting the auto insurance company in Delaware to pay out your compensation, then, it is important to file for the claim at the earliest.  It is always recommended that you go ahead with the process of filing within 3 days. If you have hurt yourself in the accident, get a thorough physical examination done within a day or two and don’t forget to collect the certificate for the same from your doctor. This is especially important when it comes to filing for whiplash claims where the pain manifests one day after the accident has occurred.

Be prepared to answer calls

Once you file for the auto insurance claim, you will get a call from the insurance company asking you for the details again. Ensure that what you say over the phone to them is the same as what you have mentioned while filling out the claim form. Even a slight discrepancy will only delay the entire process of your claim getting approved.

By following this simple but highly effective approach, you can be rest assured that the entire process will be a cakewalk.