Amazing Steps To Start Your Auto Insurance Claim Process

According to Statista, over 12 million vehicles in 2018 were involved in car accidents in the United States. It is safe to say that The United States is among the top five countries with the highest traffic-related fatalities per one million population. Depending on whether those involved have auto or car insurance, that’s a lot of insurance claims. Do you know how to file an auto insurance claim process?

An auto insurance claim is a request that you make to your insurance provider to receive coverage and compensation for the damages you incurred. According to the Insurance Information Institute, the average insurance claim for 2017-2019 vehicle models involved in a collision was $6,360.

Imagine if the owners of those crashed cars did not have cheap full coverage car insurance and they had to pay $6,360 out-of-pocket.  It’s essential to know the process for filing an auto insurance claim. It’s so you can avoid financially stressful situations and have an efficient claim process. A minimal monthly or yearly commercial auto insurance cost surely beats having to pay hefty prices for accidents.

Here are the steps that you need to take to file a car insurance claim.

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Contact the Police

A police report is not necessary to file an auto insurance claim process, but it helps. If you do decide to notify the police, make sure you call right after the accident occurs. Insurance companies like to see an unbiased report from a third-party and in order to have an accurate report, the police need to get there as soon as possible.  Be aware that the police will need to talk to all parties involved for an accurate report.  

In addition to providing an unbiased report, the police can also help mediate any disputes between drivers and make sure that any necessary medical help is provided.  

best auto insurance claims process

Gather Information For The Auto Insurance Claim Process 

Next, gather all relevant information regarding the accident. This involves taking quick pictures of the incident site, any visible vehicle damage, or any other property damage. You can also take notes of your own. You can include the following things in your notes:
  • Name, address, phone number of the other driver(s)
  • Photo of their driver’s license
  • Location of the incident
  • Date and time the incident occurred
  • Weather conditions
  • Their insurance policy information
  • Year, model, and license plate numbers of the involved vehicles
  • Name and badge numbers of any police officers who responded to the incident
  • Witness accounts
If you needed medical assistance because of the accident, hold onto your physician’s report, medical bills, or any other medical documents. Note: Do not admit to, apologize, or accuse anyone of fault. Also, do not disclose your coverage limit to the other driver. It is because such actions might backfire on you later while receiving compensation for the accident.

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Contact Your Insurance Company for the Auto Insurance Claim Process

The next step is to contact your insurance company as soon as possible. It is best to contact them from the accident site or as soon as you get home. They will have questions for you, and your notes can prove very helpful. The sooner you contact your company, the easier you auto insurance claim process will be.

The insurance company will walk you through the next steps you need to take and assign a claims specialist, also known as a claims adjuster. They will help you further understand the extent and type of coverage you might get from your commercial auto insurance policy.

auto insurance claims process

Work With Your Claims Specialist

The specialist will contact you and investigate the accident according to the evidence you have provided. 

After the initial investigation, the specialists look into the the causes. They will determine the value of the damages and compensation that you will receive. They will work on your case on behalf of the insurance company and will take action to settle your claim. Moreover, they might also specify a repair shop to get your car repaired at.     

Claim Settlement and Payouts

Once the claims specialist has done their research and investigation, the cost of the damage, the compensation you will receive, is calculated. They will also inform you if there are any deductibles that you need to pay. Once you have signed off on all of the estimates, the work for claim settlement will finally begin.    

Note that the claim settlement time varies with every state and insurer. Moreover, there are chances of your claim getting denied due to the nature of the accident and your coverage policy. Remember that the claim might not be paid in full as it depends on your coverage limits.    

Finishing up the Auto Insurance Claim Process

Once you receive your compensation and get your car repaired, let your insurance company know that you are satisfied with the claim and that they can close your case. However, if you have any issues or dissatisfaction regarding your settlement offer, you can talk to your insurance agent about it.

The experts will try to solve the issue as they surely don’t want to lose business. If you are still not happy with it, you can hire an attorney to look into it. Although you will have to pay for the legal expenses on your own, it may be worth it in order to get your claim appealed.

An auto insurance claim process must be meticulously followed, and you need to have all the documents ready before making a claim. If you’re having trouble going through it on your own, contact an insurance expert today.

To understand more about the insurance claim process, get in touch with a local insurance agent today.

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