4 Types of Auto Accident Insurance Claims


Every auto accident is different.

A car that is damaged by a rock hitting the windshield and cracking it, or a vehicle that is completely destroyed, injuring the driver, are two different types of accidents. These categories are used by insurance companies to determine what damages a driver is eligible for.

These are the four types of auto accidents insurance claims. Learn more about how adjustors deal with them and what you can do to file a claim.

Bodily Injury Claims

You will need to file a claim for bodily injury if you are injured in a truck or car accident. Most bodily injury victims will file a claim against the insurance company of the at-fault driver. If you are a passenger in an accident that resulted in bodily injury, or if your state requires liability insurance, you must file a claim with the insurance company.

After you have contacted the insurance company, an adjustor will evaluate the compensatory damages and calculate the value of your claim. The two types of compensatory damages are general (noneconomic injuries such as pain and discomfort) and special (economic losses like medical care, wage loss, and medical expenses).

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Property Damage Claims

Auto accident damage can cause property damage. These damages could include a truck colliding into a house or a car hitting a mailbox. For the compensation of damage, the insurance company for the at-fault driver will be responsible. These cases are determined by the car and not the driver.

It is best to file a claim for property damage as soon as possible. To avoid paying a deductible, contact the insurance company of the at-fault driver to determine fault. You can file a claim with the insurance company if you are unsure of your fault. If the other driver is found to be at fault, your insurer will reimburse you for your deductable.

Windshield Claims

Comprehensive auto insurance covers windshield repairs. It can be difficult to decide whether it is worth filing an insurance claim for a windshield. These questions can be asked of your adjustor and your auto policy:

* What is the maximum insurance deductible I can pay? (If your deductible is $500 or higher, the cost of repairs will not be covered by your deductible.

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* How much does it cost to repair a windshield that has been damaged?

* Will my premium go up after I file a windshield claim

Your adjustor will examine your policy to make sure you are covered for windshield repairs if you file a claim. After you have cleared the matter, take your vehicle to an auto shop to have the windshield replaced or repaired. The cost of repair should be covered by your insurer, less the deductible.

Third Party Insurance Claims

You have two choices when filing an auto insurance claim. One is to go through your own insurance (first party), and the other one will go through the insurance company of the driver who caused the accident. A third-party insurance claim is the best way to file a claim if you believe the other driver caused the accident. This will save you from having to contact your insurer.

Third party claims can present some difficulties. One, although you might be comfortable communicating with your insurance company, it can be challenging to communicate with an insurer for another driver. It can be difficult to find the information you need because you are not their customer.

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Second, third-party insurance companies will often refuse to pay claims by claiming that there isn’t enough evidence to prove fault or offering a low settlement.