We all purchase car insurance with a quiet prayer on our lips as we pay for our premiums-Please don’t ever let me really need the asset this policy carries. Sadly, a small portion of people do have to use their auto insurance policy and make auto insurance claims.
If you need to report an auto insurance claim, there are some steps you can take to make this action easier and more efficient for you.
1. Call your agent. Agents are there to make this process simpler for you. One phone call to your agent and you can eliminate yourself from a lot of the paperwork and claims coordination. Your agent will inquire about the accident (some may even go to the scene) or occurrence surrounding the claim and file paperwork for you. Not only is this less time consuming for you but it’s a effective way to make sure the paperwork is completed properly.
2. Call your insurance company. If your agent is out of the office you can call the toll free claims line of your insurance company. A company representative will be on the line to assist in guiding you through the process. If you want updates and further actions to be communicated to you through your agent, be sure to let the insurance company know so they can put this data in their system.
3. Have all details available. Before you make your claim with the insurance company or your agent, check that you have all the relevant information with you. You should have your policy number, the insurance and contact information of any other person included in the claim, the details of the event that caused the claim, police reports and pictures. If you were not present when the claim occurred, make sure you have all the facts about how you found the car and the damage.
4. Make duplicates: Make a copy of the claim paperwork and all supporting documents before you present them to the insurance company.
If you have any question that you will not be able to remember valuable details related to the claim, make sure that you record them as soon as you can after the event. You can retain this paper to recall any details to the claim when reviewing with your assigned adjuster.