Have you ever been involved in a car accident? Have you worked with an insurance company after the accident? If you answered yes, it is possible that you had questions about the process of settling claims. It can be a stressful time but there are steps you can take to help make this process much easier. If ever you are unfortunately involved in a car accident, keep these five tips in mind to try to help simplify your claim process:
- Gather as much information as you can on the scene. Take photos of the damaged vehicle. Take a picture of the scene if it is safe to do so. If several parties are involved, try to take pictures of their damage, if possible, and always call the police. It never hurts to have an official document to show what happened at the scene and be sure that the police provide the report number.
- If another party is involved, information Trade Insurance before the Police arrive, if it is safe to do so. Once the police arrive, they often separate the two parts is no touch. Police records insurance information on the police report, but this report is not available until days or, in extreme cases, weeks later. If you get this information from the beginning, there is less chance that your application will be delayed.
- Note details so you do not forget. It is always helpful to give your tuning request some information about the claim. Note what street you when the accident happened and what direction you are traveling. Which way you were? What time the accident happened? How was the traffic? Make sure you note the weather or road. If you are in an unfamiliar area, note some local landmarks to help an expert pinpoint your location.
- Remove the application as soon as possible. The sooner the insurance company knows the best accident. The information is transferred from the insured to the expert is cooler and the details are clearer if less time spent. This gives the expert a much more complete picture of the accident, which allows it to provide faster and more accurate service
- Remember, this is a partnership . the insurance company wants to help you through this difficult situation as efficient and painless as possible. However, to do this they may need your help. They may ask you to make a statement about what happened in the accident, or they may ask you to obtain an estimate of the damage to your choice of body shop so they can effectively examine the damage. Paperwork, such as your title, may be required to effectively pay your claim. Although these documents may require some effort, they are essential to provide ongoing service by adjusting your request.
So if you are required to file a car insurance claim, do not worry! Remember these quick tips to ensure that your claim process is stress-free as possible.
For additional resources, visit our "What to do after a car accident" brochure and video.
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