How Do I Make A Car Insurance Claim?

car-insurance-claimIn the event of an accident, you will need to be prepared to make a car insurance claim. Knowing what to do ahead of time can greatly ease the stress of a potentially unpleasant process. The good news is that most claims are for physical damage to vehicles, not personal injury. Begin the process of filing a claim at the accident site, where you should make sure you call the police and medical assistance to treat any injuries. Exchange as much information as possible with the other driver, make sure you get contact information, license plate numbers, and complete insurance information from them. Ask the police to file either an accident or an incident report to provide a third party record of the accident. This will help determine the fault of the accident later on.

Once you have done all this, call your insurance company and file a claim with them. They will walk you through the process. They will consider your story, the other party’s story, the police report, witnesses, damage at the scene, and their own assessment of the damage in making decisions about the case. The accident can be either your or the other party’s fault or in some states, like Alaska, it can be considered comparative negligence and your settlement will be based on a degree of fault. If the accident is the other party’s fault, contact their insurance to file a claim. You will make a statement about the accident and an adjustor will determine the extent of the damage. Then, depending on the fault, you will receive a settlement from one of the two companies.

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