Ask Three Questions When Filing a Claim with Your Insurance Company

Filing an auto insurance claim is somewhat similar to filing a report at the police station. The process is not as easy as you may think. A lot of things will need to be considered in the event, which means that you must be keen to fill the claim accordingly. But how can you make that happen? This guide will help you discover how you can fill an auto insurance claim with less difficulty.

1. What should I do after the accident?

When it comes to filing a claim, the first most thing you need to consider is what is required by the insurance claim after the supposed accident. Where you injured in the event? What about your vehicle, how will it be removed from the road to prevent traffic jam? Most of the states will require you to take care of these factors before you start filing the claim.

Before the insurance company can start processing your claim, they will need to have a huge amount of information that proves you qualify for the claim. You might also want to exchange information with the other driver that was involved in the accident {including their insurance company information}.

You’ll also be required to request for contact details of the witnesses that were on the scene.

The insurance company might need you to fill in an accident report in advance. Keep in mind that each state has its specific laws concerning an accident report. Suppose the crash caused damages worth over $1,500 to either of the vehicles or any property, you will be needed to file a report.

2. Where will you file the claim? First-Party or Third-Party Claim?

Another thing to consider when filling the claim is whether your insurance company will be responsible, or if you will have to file the claim with the other driver’s insurance company.

You will and can file the claim with your insurance company, whether you were at fault or not. Nonetheless, if you are not at fault at all, then you can file a claim with the other driver’s insurance company.

When you file the claim with your insurance company, it is called a first-party claim. Conversely, filing a claim with the other driver’s company is known as a third-party claim.

One good thing about filing a third-party claim is that you won’t be the subject to the deductibles. Never agree to settlements made by the other insurance company if you do not agree to any of them.

3. What should I do to get my vehicle repaired?

Getting your car repaired is another vital factor you must keep in mind. Remember that your insurance company will not obviously go for the actual cash value {ACV} or your vehicle if they want to determine how much the repairs will cost.

Rather, the insurer will look at the vehicle’s value at the specific time of the accident. You might also be required to send written estimates for the repair costs of the vehicle. With this documents, the insurance company can compare the repair costs to the estimated value of your vehicle and go for the cheapest option. Some insurance companies will let you choose your preferred repair shop, while others will refer you to a specific shop.

If you are having troubles filing a claim with your insurance company, you can always hire a reliable vehicle accident attorney to help you with the entire process.