Was this article helpful?00ByTom AndoNot many people experience the stress that can sometimes be involved with filing a claim on their car insurance policy. It can be confusing in terms of the information that you need to collect, people that need to be contacted, and determining if you have the right amount of coverage to cover the loss.
1. Contact your agent. Many insurance companies today have a claims service that is available 24/7.
The insurance company's number and your agent's number are usually listed on your policy. Usually there is no designated time frame in which an auto accident claim must be filed. Also, unless there is an absolute emergency, contacting your agent should take place during business hours in order to receive the best possible service.
2. Collect necessary documents and information. Gathering all the necessary information before you file a claim can accelerate and simplify the process. It is important to keep in mind that you can never have too much information regarding your accident. Here is a general list that applies for most auto accident claims:
• Location, time and date of incident
• Make, model and year of all vehicles involved
• Drivers' and passengers' information
• Contact information and license numbers
• Police report
• A list of vehicle damages
• Injuries
3. Determine whether you have the necessary coverage. Being familiar with your coverage and determining whether it is enough to cover your accident can be complicated. It is important to contact your agent as soon as possible since he or she can answer any questions before a claim if filed. If you are worried about your premiums increasing, ask your agent whether a claim will affect your insurance rates. Sometimes minor incidents are better covered out-of-pocket to avoid filing a claim and increasing the risk of rising auto insurance premiums.
While filing a claim for the first time can be confusing and frightening, it is important to keep calm and be prepared. Always keep two copies of your insurance information, one in your wallet and the other in your glove box. Have necessary phone numbers ready and determine whether your policy covers the incident that you are filing. Most of the time filing an auto insurance claim is not very time-consuming and should only take you about ten minutes.
There are many useful tips and advice on filing an auto insurance claim online. Make sure to have the necessary information that is required and contact your insurance agent as soon as possible.
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Tom Ando
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Ando, T. (2012, February 23). . Retrieved February 28, 2012, from http://ezinearticles.com/?Auto-Insurance-Claim-List&id=6901025Chicago Style Citation:
Ando, Tom "." EzineArticles.com. http://ezinearticles.com/?Auto-Insurance-Claim-List&id=6901025
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