Auto Insurance Claim: Car Insurance 101





Auto Insurance Claim is important to consider when you injured in an accident. The life's least enjoyable moments can be having even a teeny-tiny car accident. But, accidents happen, and in due course, we all have the experience of meeting one of our fellow road travelers up close and personal.


Given below are the seven steps that help you in claiming your auto insurance policy.


Prior to a loss, identify with your policy, sit down, and carefully read your insurance policy. If you have any questions about what is or is not covered, call your agent or company.


Ensure that everyone is okay and check to see if anyone requires medical attention. You may still want to have them checked out at a hospital or with your family doctor even though your injuries are minor. Minor bruises can become major, long-lasting injuries.


When you are involved in accident exchange information, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Get organized to give the same information about yourself to the other driver. These details can be found on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle.


In case their account of the accident is required, identify witnesses, ask witnesses to the accident for their names, and phone numbers.


Contact local law enforcement officers and file an accident report to have an accident report prepared.


In case of unavailability of law enforcement, at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site, accident reports and detailed instructions are available.


As soon as possible, notify your insurer by contacting your insurance company about the accident. In order to determine who caused the accident, an insurance www.wiv88.com will review the accident report.


You can have either your insurance company or the wrong driver's insurance company handle the repair or replacement of your vehicle, if the accident was not your fault. You will not have a claim on your automobile policy and you will not have to pay a deductible, if you use the other driver's company.


Do not let go insurers too early. Until the damages are settled to your fulfillment, do not relieve your insurance company of its responsibility. For example, if the other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement have your insurance company handles the claim.


Bodily Injuries: For injuries caused by another at fault (liable) party, you may be entitled to a monetary settlement. For injuries to become noticeable, it can take several days.


Damages: To pay for the reasonable cost of repairs to your vehicle, the insurance company is accountable. Damage will be assessed by an insurance adjuster.


Regarding what should be repaired, usually, insurance companies and auto body shops negotiate disagreements. You have the right to obtain another review at any auto body shop, if you disagree with their conclusions.


Appraisal Clause: An appraisal clause would be included by most auto insurance policies, which can be used to help resolve disputes about physical damage claims between you and your insurance company.


(For claims you file with the other party's insurance company, the appraisal clause does not apply.) You or your insurer can initiate the appraisal clause, if you cannot reach an agreement with your company.


In order to try to resolve the dispute, your appraiser and your insurer's appraiser then select an independent umpire. For more information about the appraisal clause, check your policy or ask your agent or insurance company.