One of the pet peeves of people from all over the world with regard to auto insurance is the way in which the insurers process their claims. There are very few car insurance providers who can boast of a quick turnaround time when it comes to disbursing the claim amount to the policy holder. This is further fueled by the fact that the number of fraudulent claims are increasing by the day, thereby making it tough for the insurance companies as well. However, there are certain things that policy holders need to do right in order to ensure their claim request does not get rejected.
First of all, when you meet with an accident, it is imperative to call your insurance company from the accident spot itself and keep them informed about the accident and let them know that you will be filing for a claim shortly. You can also recount the details of the accident without missing out any key details if you call immediately instead of the next day.
In order to substantiate your claim, you need to have a few witnesses who can testify in your favor. Make sure you speak to the people who were in the vicinity when the accident took place and find out if they are willing to serve as witnesses to strengthen your case. If they do agree, ensure you take down their name, contact number and address details in order to input them in the claim form provided by your insurance provider.
You also need to make sure you take down the important details of the driver of the other car that was involved in the accident. Make a note of their name, residential address, contact number and driving license number before you leave the spot of the accident.
If you have an attorney who can help you file your auto insurance claim, make sure you call them to the accident spot so they can look for clues that can further substantiate your claim. Download the claim form from the company’s website and fill in the details at the earliest and attach the relevant proof to strengthen your case.
If you want to ensure the claim does not get rejected, do not submit it days after the accident. Make sure you have sufficient proof to show that the accident was not your fault.
