Auto insurance is one of those rare purchases that you wish you’ll never have to use…but once you really do need it, you’re sure glad that you bought it when you did.
Case in point: When you’ve been in an accident. Fortunately, most traffic incidents are minor, but not so minor as to not leave damage that needs fixing. The quickest, most effective way to procuring repairs is by filing a claim.
There’s a process to filing a car insurance claim that’s important to abide by. The following are a few “do’s” and “don’ts” for when a claim has to be made:
Do call your agent as soon as possible
Your insurer is going to want to know when the accident happened and how it resulted. Before any of that can be determined, though, they need to be informed, and the sooner the better.
Do gather all relevant information
The details of how a crash happened are crucial to the filing process. Though you may be shaken up after an accident, collect as much information as you can that will support your claim, like the insurance information of other motorists involved, their phone numbers, addresses and other contact details. You should also take a picture of the crash and what damage resulted. It’s helpful to take a picture of the other driver’s insurance card as well
Do honestly answer all questions asked of you
Your insurer will have plenty of questions as to how the incident took place. It’s imperative that you answer each question fully, making sure not to leave out any details, as even information that might not seem all that important often is.
On the opposite side of the spectrum are those things you shouldn’t do.
Don’t wait to contact your insurer or agent
After you’ve contacted the police and collected all the pertinent information relevant to the accident, your first call should be to your insurer or agent. It’s crucial that they be made aware right away, because your claim may be affected if you wait too long.
Don’t make misleading statements
While you may not have every single detail as to how an accident took place, it’s important that you not make any statements that are false or misleading. Insurance fraud is a crime, and if your insurance adjuster determines that you knowingly provided misinformation, you could be prosecuted.
We understand how frustrating and unnerving an accident can be. That’s why we make the insurance claims process as quick and painless as possible. Quality customer service is our commitment to you.