AllRisk Auto Insurance, LLC Blog
If you met a car accident, you are required to inform your insurance company immediately as mandated by car insurance laws. It is necessary for filing a car insurance claim to your insurance company to get monetary reimbursement for the damage caused to the vehicle involved in the accident. The guidelines listed below will give you an idea of how to file a car insurance claim.
The First Thing To Do After an Accident
In the event you meet an accident, the type of your insurance will determine who is liable to shoulder the damages. As this happens, you need to determine the extent of injuries or damage and check if anyone needs immediate medical attention. Immediately call the police to file a report about the accident. You need to look also for witnesses who would be willing to cooperate in testifying about the crash. You also need to get the information of all those involved in the accident.
Submitting an Insurance Claim
You need to contact your insurance company immediately after the accident. Make sure they are going to work on the claims process. As your insurance claim progresses, be prepared to provide details about the crash, including the place, time, date, photos of the scene, police report copy, and names, addresses of persons involved in the crash. If you got witnesses, make sure they cooperate in giving detailed information of the accident to help you get your claim more accessible.
Assessing the Damage
There will have a claims adjuster to assess the damage of your vehicle and make an estimate of the cost of required repairs. Auto body shops and insurance companies usually negotiate what needs to be fixed.
Payment of Insurance Company
Each insurance company of both parties, depending on who is at fault, is responsible for paying for the actual cost of repairs of the damaged vehicle. Depending on the type of insurance coverage of the other party has, if it’s not your fault, you can ask reimbursement for your collision insurance deductible.
If you found out that both insurance companies fail to comply with what’s stipulated on the policy, you may consult a lawyer to help you through the insurance claims process.
At AllRisk Auto Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (360) 693-4044 or Click Here to request a free quote.