For most insured drivers, the initial hours and days following a car accident can be stressful and overwhelming. Many drivers long for help and guidance throughout the process. When you file an insurance claim, you ask your insurance company to pay you compensation for damages you sustained in a car accident. You can also request that insurance agents intervene for you if you have held someone responsible for the accident.
Car insurance can cost you a lot of money. It is not justified if you need to file a claim after an accident. Your company’s insurance policy will determine the coverage you receive. Insurance agencies serve as your advocate and protect you. Sometimes people feel they can handle everything themselves. This is not the best way to go.
This is a step by step guide on how to file a claim for car accident insurance.
Contact the Police
First, contact the police to report an accident. You will need to include details about the accident, eyewitness testimony, details about the other driver, and any other pertinent information. You will also be provided with medical attention by the police to treat your injuries. The police report can be used to support your claim.
Contact Your Insurance Company Now
If possible, call your insurance agency at the accident site while you wait for the police or until you feel safe. The company will be able to assess the damage and guide you through the next steps. The insurance agency can help you determine what to do with your car if it has suffered severe damage. The insurance agency will open a claim file and add all details to it. You may not know what they can do for you and end up spending money you don’t need.
Your case is assigned to an insurance adjuster
After your claim has been filed with the car insurance company, an adjuster will be assigned. Most likely, the adjuster will contact you to obtain additional information. Be truthful and precise in your description of the incident. You should submit any photos and testimony that you took at the scene. This information will be used to determine the fault of the other driver and your contribution is crucial. An attorney is a great help if you are looking to file a personal injuries claim against the other driver’s insurer. A personal injury attorney is essential in this instance.
Evaluation
An insurance adjuster will perform a thorough evaluation and give you an estimate of the costs to repair your vehicle and medical expenses.
Resolution
After the evaluation is complete, the adjuster will approve a final payment to cover the damages. You will sign a release if you are satisfied with the offer.
