Global Courant
Before anything, we must first understand what an insurance claim is. In this way we can better appreciate the whole procedure and it just becomes easy to go through because we already know step by step what to do, in relation to the whole process.
A claim is when you ask the insurance company to pay you for damage you suffered after a car accident, or when you ask the insurance company to represent you or intervene on your behalf when you are liable for damage .
You pay a lot of money for your auto insurance, so it makes sense that if you’re involved in an accident, you’ll want to file a claim. Depending on whether the accident was responsible or not and the type of damage, your insurance company may provide coverage based on the type of car insurance you have.
Claims can be paid from comprehensive coverage, collision coverage, or one of the sections of minimum auto insurance requirements, such as liability. Claims may also be paid from multiple sections of your policy, depending on the circumstances of your car accident.
If you’re wondering if your collision claim process will be harder to bear than the accident itself, the good news is that filing a claim is usually pretty easy. By taking a systematic approach and accurately recording what happened, you can collect all the information you need. The following guidelines will help you make sure the process runs smoothly.
ON THE ACCIDENT SCENE
One of the best ways to speed up the entire claim process is to start right, and that starts at the scene of the accident itself. The more good information and evidence you can gather there, the better.
Here’s what you can get:
- Personal information: Try to get basic personal information from everyone on site. That includes all other drivers, passengers and bystanders. Get their names, phone numbers, and home and email addresses. Anything that makes it easier to find them later. If you have time, take some notes of what each witness saw and heard. Pass all this information on to your claims adjuster, but keep copies for yourself.
- Insurance information: This is particularly important. Be sure to exchange insurance information with the drivers of all vehicles involved in the accident. It will probably be the first thing your expert asks about.
- Pictures: Take some photos of the accident scene. If you can take pictures before the vehicles are pulled over, fine, but don’t create a dangerous situation by just taking them. Be sure to take photos of all damage to your car, any other vehicle involved, and everything else. Also take some photos of the accident site. A few different angles are always helpful. If possible, take pictures of the parties involved and all witnesses. And finally, take pictures of each party’s insurance card.
- Police: Always call the police after an accident. They may or may not respond, but it’s always worth a try. When they arrive, make sure you know the names of the agents. They will collect their own information and conduct interviews for their report, and instruct you on how to obtain a copy of the report once it is written. Keep all the paperwork they give you and pass copies to your expert.
Contact your insurer as soon as possible
You are no doubt familiar with the saying: “Most crimes are solved in the first 48 hours after the incident.” That’s because the crime scene remains intact and the details are still fresh in the witnesses’ minds. It’s like a car accident. We’re not talking about a crime here (I hope), but the idea still works. The sooner you contact your insurer, the easier it will be for them to ask the questions they need to get the most accurate data. It’s not a bad idea to call them from the scene of the accident if possible.
Be cooperative and fast
Most minor accidents can be remedied relatively easily for your loss adjuster. He or she has done them hundreds of times. That does not mean that a claim cannot be stopped by a missing piece of evidence or information.
If your expert calls you and leaves a message to call them back, please do so as soon as possible. Good communication between insurer and claimant is essential. Plus, it’s hard to complain about slow processing when you’re the one holding it up.
Be honest
This rule seems obvious, but not everyone adheres to it. It’s human nature to want to avoid pain, and admitting that you’re guilty of your unhappiness can be quite painful. But if you make a mistake, don’t try to get out of it by lying. First of all, insurance experts have a lot of experience with accidents and fibbers.
They are very good at figuring out what really happened and that can be pretty bad for you if you aren’t so upfront with the facts. Remember “Double Fee”? Insurance fraud is frowned upon and can cost you much more money than the premium increase you’re likely to get from admitting your mistake.
And if you’re looking for a quick completion of the claims process, dishonesty will definitely slow it down and sometimes bring it to a halt.
Quick guide to an insurance claim
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