What are the steps to file a successful car insurance claim?


Auto insurance is one of the most important policies that you would need if you own a car and drive it regularly. This insurance is compulsory in all parts of the United States and driving without a valid car insurance policy is considered to be a criminal offence. These policies are very handy and can help ease your financial burden when you meet with an accident. But, in order to get your auto insurance provider to pay for the repairs, you have to file a claim that will be reviewed by the company first and then approved. However, filing for a claim is a task that is easier said than done. Here are a few simple steps to ease the entire process.

First of all, it is not necessary to file for a claim just because you met with an accident. Understand the extent of damage and then decide if you want to claim reimbursement. Filing a claim will increase the insurance premium for your coverage from the following year since the company will classify you as a liability. Hence, file only when the cost of repairs or replacement is beyond your means of spending. If it is just windshield damage, see if you can bear the cost without help from the company.

If you still decide to go ahead with the claim, then ensure you look up the terms and conditions of the policy and understand the entire process. If you are unable to locate it, then you can find out the process by logging onto the company’s website or by calling their customer service department. You will have to first fill up the claim form available on the website and submit it.

Once you have submitted the form, the auto insurance company will get in touch with you and ask for some information. You may have to recollect the details of the accident and also submit the names and other details of the witnesses who were present at the accident spot. If you are not sure about handling this process, you can avail the services of an attorney who can help you with this process.

There are times when the provider will send an insurance adjuster who will negotiate the cost of the claims. Though you may have to reduce the claim amount to a certain extent, ensure you don’t end up getting the raw side of the deal.