Tips for Filing a Car Insurance Claim
If you have been involved in a car accident alone or with another driver, you might need to file a car insurance claim afterward to cover the injuries or damages incurred. However, states operate differently. Therefore, the process of filing the claim may vary. There are general processes that everyone filing a car insurance claim must meet. Before you file the claim, ensure you have the best backup of an attorney for auto insurance claim. Ensure you also have details of the accident and don’t admit fault if the accident involves another driver. Here are tips for filing an insurance claim.
When to File the Claim
You will want to file an insurance claim if you or someone else was injured or if your vehicle was damaged. Ensure you file a claim in the following situations:
- You were involved in an accident with another driver
- You rammed into a tree due to a viable reason like a brakes defect
- A tree fell on your vehicle
- Your car is stolen
If you find yourself in these situations, filing a claim to get coverage is good. You will file the claim to your insurance company or the other driver based on the conditions. If you file the claim with your company, the firm will help cover the medical bills and repairs. The claim will be used to investigate the situation. If the other driver is at fault, you will file the claim with their insurance company. The adjuster will evaluate the case, and the company will use the information they gather to make an offer.
What Next After Filing the Auto Insurance Claim?
Once you have filed the claim, there are several things you should do to ensure the process will be smooth and the claim will not be rejected. Here is what you should do.
- File a Police Report
If you have not done it already, this is the best time. Ensure you file the report if there are injuries, extensive losses, vandalism, or theft. The information will be essential when investigating the claim. Just make sure you don’t take too long to report.
- Work with the Adjuster
The insurance company will send an adjuster to assess the situation, the damage to the car, and other things. You must understand that the adjuster favors the company that sent them. Therefore, ensure you don’t say anything to them that might endanger your claim. The adjuster will then come with an offer as a settlement. Ask the adjuster to explain the proposal. If it is lower than the cost of repair and medical expenses, you can start to negotiate. Ensure you don’t repair the car before the adjuster evaluates it. Avoid recording statements, and ensure you know who you are talking to.
- Get an Estimate for the Repairs
The company may ask you to get a repair estimate from an auto repair shop. You can choose or go with the insurer’s choice. You will receive the settlement, and the insurer will pay directly to the repair shop. However, the repairs should not exceed the value of the car.
These are simple tips for filing an auto insurance claim. Ensure the process will be smooth by hiring a lawyer and doing what is required after filing the claim.