Regardless of who is at fault, contact your insurance professional as quickly as possible – even from the scene of the accident. Even if the collision appears minor, it’s critical to notify your insurance company and determine whether your auto insurance policy covers you for the specific loss.
To expedite your claim, use a mobile app. Many insurers now have apps that let you report a claim, track its progress, upload images, check your deductible, schedule an appraisal, book a rental car, and obtain reimbursements for towing and glass claims. Some apps even allow you to graphically re-create the events and circumstances of your car accident to tell the insurance adjuster.
Learn what documentation you’ll need to back up your claim. A “proof of claim” form and, if you filled one out at the site of the accident, a copy of the police report would be required by your insurance provider. Your insurer may have a function on their website that allows you to follow the progress of your claim.
Recognize the timeliness of your claim. Get to know if your policy has a time limit for making claims and submitting bills to avoid missing an important claim date. Is there any deadline to resolve claims disagreement? Is there a deadline to submit any extra information needed for the case? Or when can you see the results of your claim?
Find out if your insurance covers a rental car if your automobile needs to be repaired, and learn about the estimate and repair procedure as it applies to claims. Provide your insurance with the information they require.
Carefully fill out the claim paperwork. Keep detailed and structured records of everything relevant to the claim, including the names and phone numbers of everyone you talk with at your insurance, as well as copies of any accident-related bills. Contact your adjuster, an insurance specialist, or your state’s insurance department if you have any questions.
Want to explore more about insurance? Here’s a blog on when not to file for a claim.
