Car Insurance Claim Tips

You have had a problem withyour car. It could be an accident that has
totaled your car. It could also be a simple fender bender or a dent in
your neighbor's car. You now have to claim the money from your auto
insurance provider. The insurance company will send their
representative over to you. He will estimate the damage and go back to
his office. The insurance company will send you a check based on his
estimate. You then use that money to pay for whatever damages were
caused. How do you about making a car insuranceclaim? The process that
goesinto making a claim is outlinedbelow:
The scene of the accident:
You will need a police report.So, call 911 if you need to. If there is
anyone who requires medical attention, call for an ambulance too. Most
importantly, call your insurance company. Most of them have 24 hour
help lines. Do not touch anything at the scene of the accident. If you
have camera, take photos. Do not drive away!
Make sure you exchange vital details with the other party. Names,
addresses, driving license numbers and car license plates should be
taken down. Most auto insurance companies issue an insurance ID card
that hasthe relevant details clearly printed. This card is to be kept
in the car. Insist on an incident record from the police. This goes a
long way in validating your claim. Can you round up any witnesses?
Make sure you photocopy all important correspondence and documents
related to the accident.
Follow the insurance provider's suggestions:
Ask them what documents they will need to settle your claim as soon as
possible. They might recommend you to a garage of their choice. Go
there. Chances are that the claim will be settled faster. Avoid
getting the repairs done privately and hoping they will pay. Your
insurance provider must get an estimate of repairs beforethe garage
begins working on your car.
Excess charges for damages:
If the damage is more than what you are covered for, you will have to
settle the difference. Ask them the amount that they agree to pay.
Make sure you take down the name of the personyou talk to. Many times
the check will be sent straight to the auto garage. On rare occasions,
a car insurance claim may be rejected.