Filing a Car Repair Insurance Claim
Filing a car repair insurance claim is often the first thing on people's minds after an accident. If you are new to the claim process or want to brush up on your knowledge, this guide will help you follow the necessary steps to filing one.
What Are the Steps of Car Repair Insurance Claim Process?
The first and most important thing in car repair insurance claim process is to do is to first check the scene of your accident or situation to make sure everyone is safe and uninjured. Filing a claim will come after you are sure that anyone who needs medical attention gets it promptly. Ask for help if needed.
The next step is to collect insurance information. Get your coverage card that states all of your details and copy everything down for the other drivers who were involved. Make sure you obtain their information, including their insurance company and policy number, as well. Their license plate should be written down, as well as their name and phone number for identification purposes.
After you have shared these details, you can contact your car insurance company. Try to call within the next 48 hours or sooner, if possible. You will report the exact damages and describe the accident to them. You may also need to provide these details to the DMV and/or local police, depending on your situation.
Speaking with the Insurance Company
The next step after you reported everything to the insurance company involves speaking with a claims representative. This person is the adjustor who will ask you questions about the accident, which will reveal a few important things to them. Most often they are trying to find out who is at fault for the accident.
When you are speaking with the company and claims representative, it's wise to be honest. Don't hold back any details or provide false information, because there may have been witnesses to the incident who will say otherwise. You also don't want the burden of knowing you falsely accused someone. After your claim is approved, you can have your vehicle repaired. Depending on your state laws, you may be able to have a say over where your car is taken for repairs. Make sure you understand your legislation and terms of the agreement with the insurance company, so you are aware of your rights.
Communicating with the company throughout the claims process is possible for some people. You may also find that your policy requires them to work directly through the company who is repairing your used car. Calling your representative is a good idea if you have any questions.
Benefits of Your Claim Process
One benefit to note is your ability to consent to certain repairs and types of parts you want to have used. You can be clear when you take the car in for repairs as to what kind of work will be done on it, in order to avoid unnecessary penalties or expensive work.
Downsides to the Claims Procedure
Making a car repair insurance claim is a somewhat long and drawn-out process in many cases. You may be lucky and have coverage that doesn't require extensive procedures or waiting, but most policies typically require this.
When the insurance company finally pays out the money to you that you have been waiting patiently for, you have to wait even longer. It can take several months for the payment to make its way to you. Unfortunately you might have been hoping for it sooner, but this is a necessary wait that many people have to go through.
Key Things to Remember
It is crucial to read the fine print of your car repair insurance policy and understand the terms for filing a claim. Every coverage policy is unique, so you want to be sure that you know exactly what yours entails and requires of you in the event of an accident or other repair situation.
Unfortunately there are some terms of agreements that allow for the insurer's obligated to be “voided” in particular instances. This is a sad but true fact with some policies. The most common example of this is at-fault damages where you have no coverage in the case of an accident that was your fault. Basic liability policies tend not to include this scenario. Read all of the agreement so you can be sure which repairs are likely to be covered and which are not.
This guide to filing a car repair insurance claim should keep you on the right track when it comes to engaging in the process for the first time.