How do I file an auto insurance claim?


Being involved in an accident can be a traumatizing experience. The one thing that you shouldn’t worry about should be your insurance claims. As far as possible, try to go about the process in a systematic fashion. This will ensure that you don’t forget to do something in between. However, you need to decide whether you can do this on your own or if you need assistance to do it. Don’t attempt to try it out if you are recovering from the accident or if you are not up to mark in terms of your health.

All accidents that need to have claims must first be reported to the authorities. You need to report the accident to the concerned authorities, most likely the cops of the area. Once the cops have recorded the accident, they can estimate as to whose fault was responsible for the accident to begin with. Once the guilty party has been determined, then the actual claims can be made. Your medical bills are usually footed almost instantly as this is the basic aspect of the car insurance that ought to be covered by the law. Hence, if you are in the hospital, don’t worry about this factor for the time being.

Your vehicle comes in next. Deepening on the scale of the accident, you should decide whether or not you want to try and fix the car or if you are going to just scrap it and buy a new one. Some accidents might necessitate the scrapping of the vehicle, so take the decision without thinking hard about it if there is no other way out. If you were one of the few who had collision coverage, you might be eligible to get paid for fixing the car, at least most of it. There will usually be a deductible that you should cover on your own, which cannot be avoided.

On the other hand, comprehensive coverage can give you the flexibility of not having to pay for any of the damage. If you had insurance that came with comprehensive coverage, you might not have to spend much on any of the bills. This is something that all drivers must consider if they have an option to take it up at a slightly higher premium rate. The costs saved are impressive and might even be very useful to help you out in the long run. However, avoid making frequent claims as it will cause your insurance to shoot through the roof.