Most people know the kind of insurance coverage they have for their car-comprehensive, collision or liability to quote some examples. But when it comes to understand the fine print we are all novices and have no idea what is in store for you when you make a claim. For a regular person it may not be possible to go through each line and understand what is written between or over them. So it is advisable that you approach your agent at leisure and sit with him to know more about the clauses you have agreed for. However here in a few simple steps we will try to guide you on how to make a claim.
The first and foremost action one has to take before filing for a claim is to decide whether to make one or not. Every time someone calls on the insurance company on the matters of filing a claim it is automatically put in the records. The insurance companies are very particular about claim records. You should keep your claim slate clean till you really have to file for more serious damage. if the expenses on a particular accident for which you plan to file for the claim, is affordable then better not file the claim.
Get the print out of “What to do after an auto accident worksheet” and record all the details required to file for the claim. By doing this you will be able to keep track of the claim procedure. Document the accident details and find people who will stand witness to back up your claim before the insurance company. You must file your claim as soon as possible when all details of the accident are fresh in record and in the minds of people involved. Your insurance company where you put your claim will take up your case and process it even if it is not your fault.
You may also expect to get call from the insurance company of the other driver involved in the accident for possible errors in the version of the two parties. The company may ask you to narrate your version of the accident, in that event you make sure to get a copy of the proceedings and keep it in your record and also note down the name, ID etc., of the agent who dealt with you.
After your claim is approved you can send the car for fixing body damages. The insurance company may send your vehicle to a pre designated shop and assess damages by an insurance adjuster.
