After you have been involved in an accident, there is going to be a lot of things on your mind. There could be injuries to attend too and your car will need to be fixed. You will be worrying if your insurance is going to cover it (if it’s your fault) and you will be hoping that the other person involved in the accident has sufficient auto insurance coverage as well. After everything is settled away, you need to file an auto insurance claim. So what are some tips for filing a successful auto insurance claim? Here is some information to help you?
First, call your auto insurance company as soon as you can. Do not hesitate, it is the worst thing you can possible do. The longer it has been the more chance there is for details to become muddy and, as well, the longer it is, the more suspicious it may become to the auto insurance provider. Plus, the quicker you inform your auto insurance provider and start a claim, the quicker you can be reimbursed the costs of the accident as well as medical bills.
There might even been a clause in your insurance premium stating that you have to call them and notify them of the accident within 48 hours, so don’t let this go!
Another great step to take is to observe all the events that were taking place at the time of the event and after the event. Write them down somewhere, like a diary, so that if your memory as been impaired, it will all is there on paper for you.
It will help you to recall details and file all the reports, especially the police reports and insurance reports, correctly and fully. You will also need to do this so you can write down anything anyone says to you, especially the auto insurance agents themselves, so you can catch them if they try to lie to you or lead you into something you don’t agree with.
Thirdly, stay in contact with your insurance company. Do all their paperwork, gather any documents they want, if they ask for it, and get it. Call them every day and ask where your claim is going. Don’t let them get slack on it, don’t let your case fall to the back burner, get your money! Besides, if you bug them enough, they are sure to pay more attention to you, just to get you off their backs.
When you give your estimates, list everything. Don’t skimp on anything that was lost. Get everything you are entitled too. After all, isn’t that why you pay for your insurance? So that in the event of an accident, you will be reimbursed and you’ll be financial secure? Yes. So file for everything you lost in the collision or theft.
Give them adjusted and insurance company some faith though, but don’t let them slip up, as I said earlier, either. It’s a balancing act, but one you must perform. Don’t let them forget you but don’t be too aggressive either. They are just doing their jobs, so remember that.
These are just a few tips to help you insure that you get a successful auto insurance claim. Follow these, and you should have no issue if you get into an accident or your vehicle is stolen. Just remember, the balancing act.
