Filing auto insurance claims can be a cumbersome process, especially if you are not aware of the process followed by your auto insurance provider. It is important that you find out the process of filing for claims when you opt for the policy so you are prepared in case of any eventualities. Most of the time, people get frustrated when they file claims because of their ignorance and the innumerable phone calls from their insurance providers for clarifications. Despite this, there are times when the insurance company does not disburse the claim amount completely. In order to eliminate the hurdles and ensure a problem free claim process, you need to follow a methodical approach.
First of all, if any person has been injured in the accident, place a call to 911 and request for medical assistance. This is even more important that thinking about the hassles of filing for claim to repair the damage. Next, it is important that you call your auto insurance provider from the site of accident and give them the firsthand account of what has just happened. This is important to ensure you do not miss out on any minute detail that may have a bearing on your insurance claim. This will also help notify the auto insurance company that you will be filing for the claim.
Once you have notified your insurance company, it is time to talk to the other driver and find out the details of his auto insurance provider. Make a note of his name, the name of his auto insurance provider, policy number and vehicle number. You will need to have all this information handy while processing the claim, in case the need for it arises. If you have a personal lawyer who will be fighting the case on your behalf, you may want to call the attorney to the accident site to gather evidence.
If you do not have an attorney acting on your behalf, you will need to talk to the witnesses at the spot of the accident and find out if anyone would be willing to testify in front of your insurance provider if needed. Make a note of the names of the witnesses who are willing to testify and also get their contact numbers.
Finally, contact your insurance provider and give the information you have and file the claim. Make sure you don’t miss out on the tiniest details because what you may feel is unimportant may be of significance to the insurance provider.
