Accidents happen. Whether your car sustains damage from vandalism, theft or a collision, filing a claim with your insurance company should be one of the first things you do. Insurance can help protect you, but only if the incident is properly documented; therefore, it’s in your best interest to file accident claims.
Many insurance companies have streamlined the claims process so that all it takes is a phone call to your insurance agent and the completion of some forms. Here is a more detailed overview of how to file an insurance claim.
1. Call the police. If there are serious injuries, call 911. Otherwise, dial the non-emergency number to summon the police to the scene of the damage or accident. The official police report will be critical documentation to have when filing your claim.
2. Exchange information with the other driver(s). You’ll need the contact information, license plate numbers and auto insurance information of the other drivers. If accident claims are filed, it’s important to make sure all parties are accurately represented. If the other driver doesn’t have insurance, you should still collect his or her contact information.
3. Document the details. Take photos of any damage and gather the contact information of witnesses to the accident. While a police report is the most objective record of the event, you’ll want to have as much evidence as possible just in case the other driver’s story changes.
4. Contact your insurance company. As soon as you’ve handled the situation at the scene, call your insurance company and report the incident, even if you are not at fault. The sooner you contact them, the better. The insurance company can then start its investigation into the incident and will be prepared if they receive a claim from the other party’s insurer. If the other party was at fault, your agent will explain how to file an insurance claim with the other party’s carrier.
5. Write down the details of the event. Whether you’re at fault or not, the other insurance carrier may contact you for your version of the event. It’s a good idea to write this down so you can be sure you don’t leave anything out.
6. File all forms and documentation on time. Because every incident is different, your insurance agent is best equipped to walk you through the claims process. Be sure to complete all necessary documentation according to the deadlines he or she provides. This will help to expedite the process.
Several insurance companies now offer web-based solutions and mobile applications to complete the car insurance claim process in the event of an accident. One great option for iPhone™ and iPod touch® owners: the Nationwide Mobile App. From calling the police to starting the claims process, this app guides you through each step, ensuring that you file your auto insurance claim properly.
Ultimately, your insurance company will issue you a check to cover the cost of repairs. In the event that your car was totaled, meaning the cost of repairs is higher than the value of the car, you may receive compensation equal to the value of the car so you can replace it.
Filing auto insurance claims may seem intimidating, but your insurance company should have the people and processes in place to make it easier. You never know when you may need to file a claim, so be sure that your current auto insurance coverage has you protected in the event of a car accident, vandalism or theft!
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