Auto Insurance Claims: What to do in the event of an accident or Collision


No one wants to think about it, but chances are you will some day find yourself in the position of having to file an auto insurance claim. It might not have been your fault, but you need to make sure that the claim goes through smoothly without any speed bumps as you need to get your money as soon as possible. So, what are some tips for filing a successful auto insurance claim?

In the event of an accident or collision, your main priority will always be any injuries or deaths that may have resulted because of it. After all you can replace a vehicle and personal belongings, not your health or loved one. Once that has been dealt with, you will need to take some steps to insure everything goes as smoothly as possible.

Take note of everything around you and everything that is happening. If it is possible you should write down everything that you remember happening before, during, and after the collision, to insure that you do not forget anything. You should also record everything that everyone says to you or that you say to them so that you have a written record to show the auto insurance company and as well to remind yourself before the shock of the event sets in.

You will need to file a claim for all of your damages, property lost, and medical bills as soon as possible. Do not put it off for a week or even a few days; report it as soon as you can. You may have to regardless anyways because most auto insurance companies require that you report a claim within a set amount of time after the event.

Filing your claim fast will also benefit you because you will receive money to pay for your costs sooner. The quicker you file, the quicker you get paid, it’s as simple as that.

Make sure to get into contact with the investigator in charge of your auto insurance claim to make sure he has all the correct information and that he is not forgetting about you or letting you slip behind or be put on the back burner.

Make him understand that you are a valued client and want to be treated as such and that this is very important to you. Be firm with them but do not be pushy. Mark down the dates you talked to any auto insurance employee and what they promised to do for you. If they fail to come through, call them back again. This time ask for their boss and speak with them and see if they can find out for you just what’s happening with your auto insurance claim. Stay on top of your auto insurance claim and do not let them fall behind.

Keep all receipts and bills from the costs of the accident and be ready to answer a lot of questions. The auto insurance company stands to lose a lot of money and they will question you many times to make sure there aren’t any loop holes for them to slip through. Remember everything that happened and bring your note book for further back up. You are your own best advocate in auto insurance claims and you will have to be upfront and firm with the auto insurance company.