Guidelines in Filing an Auto Insurance Claim
You can avoid great headaches when you know what to do when you have an auto insurance claim. it will give you better value for your insurance dollars. You can put your insurance to work for you if your car is involved in an accident, if it is damaged by fire, flood or vandalism or if it is stolen. You can file your auto insurance claim by following these steps.
Calling your insurance agent or a company representative is the first thing that you should do. So wherever you are or even if you are not responsible for the accident, you should call your real estate brother. When you call your insurance agent you need to ask how to proceed with your claims, and ask him what paperwork is needed to prove your claim. A proof of loss form may be required by your company, and documents relating to your claim. These can include medical records and car repair bills, and a copy of the police report.
It is important to choose the best auto body repair shop when having your car repaired. It is prohibited by law to steer customers to specific repair shops.
If you find a good body repair shop, it will give you guarantees and specific repair timelines. Your insurance policy has certain limits and deductibles, so find out settlement amounts before you sign off on repair costs. If you find it difficult looking for the best auto body repair shop, your insurance companies will give you a list of repair shops that are backed by guarantees on repair and labor.
Insurers that asks for information should be given the information that they need. You need to cooperate when your insurer is investigating. Copies of any legal papers you receive in connection with your loss should be turned over to the company immediately. IF a claim was brought against you, your insurer will represent you, and if you are sued as a result of the accident, then your insurer will defend you.
Make sure that you keep a record of your expenses. Because of the auto accident, you may get reimbursement for the expenses that you have incurred. And this is under your policy. Remember that your no-fault insurer usually pays for your medical and hospital expenses, and possibly such other costs as lost wages and at least part of your costs . make copies for your paperwork. Your paperwork copies should be stored in your own files. You may be needing them at a later time.
It is important to talk things over with your agent or an adjuster if the offer that they are giving you is not satisfactory. Check out your policy to see the settlement steps that it outlines.