Car Insurance Claims

Today, we’re going to be talking about car insurance claims. A car insurance claim is a request for financial compensation that you file with your insurance company when your car is damaged or you’re injured in an accident. The claims process varies based on a few factors, including what caused the damage to your car and who is at-fault if you’re involved in an accident. For example, if your car is damaged by something other than an accident, you would need to file a claim with your own comprehensive insurance. Or, if you’re in an accident that isn’t your fault, you would need to file a claim with the at-fault driver’s liability insurance in order to have your expenses covered. And in some cases, you may not have to file a claim after an accident if no one is injured and the property damage is minimal.

There are five main steps in the car insurance claims process. The first is to contact your insurance company. You should be prepared with information related to the accident, including which covered vehicle was involved, the location and time that the wreck occurred, and the name and insurance information of the other driver. You will also need to provide your insurer with a police report number. If you didn’t get a police report at the scene of the accident, you can go to the local police station and file one retroactively.

Next, you’ll follow up with the insurance adjuster. The adjuster is the person assigned to investigate your claim. If they reach out to you for additional information, you will need to provide any documentation that you have related to the accident. Once you’ve worked with the adjuster, it’s time to wait for their evaluation. They’ll consider the facts of your claim, your policy, and the damage to your vehicle during their investigation. They’ll also make a final determination of who is at-fault for the accident. 

Finally, your adjuster will approve the claim and authorize a final payment. Keep in mind that your car insurance rate will likely go up after an accident, depending on the circumstances and your insurance company. As a result, it’s important that you continue shopping around for coverage to make sure you’re still getting the best deal. Luckily, we can help you get started. I hope you enjoyed this session on everything you need to know about Car Insurance Claims. So always be sure to contact a professional before making any financial decisions.