These 11 steps will help you manage your auto insurance claim. They will also keep you organized so that you don’t lose too much money. Accidents are the worst thing that could happen to you. You’re glad that you have auto coverage now that you’ve had an accident. Hopefully everyone is fine. But, your car has been damaged. It is time to file for insurance to cover the accident.
Step 1. Step 1. Call 911
If someone is hurt, call 911 immediately. If there are no injuries, call the police. You will need an accident report filled out by a police officer in case your car is damaged or is being damaged.
Step 2. Step 2. Locate witnesses and get their contact information.
Even if they don’t want to speak right now, they can be subpoenaed later if there is a lawsuit.
Step 3. Step 3.
You should exchange contact information as well as insurance cards with all parties. Inform the police if they do not have insurance.
Step 4. Accident report.
Even if you think the damage is minor ask a police officer for an accident report. Even if the damage appears to be minor, insist that a report be completed. After an accident, it is important that the police officer submits a written report. Even small accidents can result in big lawsuits. After a $100 accident, I was also sued. My insurance company took care of everything.
Step 5. Step 5. Notify the Insurance company.
Your insurance company should be contacted immediately. All of the relevant information should be given to them, including the name of any police officers who filed the reports. You must get the badge number and name of the officer.
Step 6. Step 6.
Keep a detailed record of all that happened and write it down as soon as possible. Your recollection will change the more you speak to people.
Step 7. Step 7. Contact the insurance company for the other driver to tell them about the incident.
You should now have their name and their insurance ID number. It is also a good idea to record the vehicle’s license plate number. Some people won’t contact their own insurance company if they don’t wish to see their rates go up.
Step 8. Step 8. Remember that the insurance adjuster is working for the insurance company and trying to save money.
Fact: The insurance adjuster only wants to save the insurance company money.
Step 9. Step 9.
Step 10. Step 10.
Step 11. Step 11. You don’t have to accept the first offer. You have already paid your premiums. Now you have the right to ensure that any damage is covered.
Jimmy believes that following the correct steps can help you get your claim settled quickly and save you a lot. You could end up in serious trouble if you don’t follow the correct steps. You can solve your auto insurance problem by taking your time, following the right procedure and not being intimidated.
