Knowing How to Claim Your Car Insurance

In this time of economic crisis people always consider cheap rate in selecting for car insurance. This is always the first thing they search on the web when they try to compare thousands of car insurance companies available.

The question is, is cheap rate the only thing to consider when you shop for car insurance? The answer is a big “NO”. It is always better when you know the policy of your car insurance, and how your car insurance works when you need to use it.

It is normal to be concerned on the amount that you will be paying since this will affect your financial budget, but do you know the steps in claiming your car insurance in times of accident or theft? Every year car insurance companies process thousands of claims from people whose cars are damaged due to an accident, or cars lost because of theft. Car insurance companies spend millions of dollars for these people.

Let us face it. Claiming your auto insurance will take time and can be stressful. Without your knowledge, there are actually steps on how to make your life easier when you claim for your car insurance. The first step is to notify your auto insurance immediately after a car accident.

You can use 24-hour hotline number to reach the right person for assistance. Second, if your claim is crime related such as theft, damage of vandalism, report the incident to the police. After you report the accident, get your incident number. Auto insurance will ask for it when you file a claim. Third, write down all the incidents related to the accident. You will need the notes in making your written claim.

Fourth, be honest in making your claim. Do not change the version of the event. It should be accurate and consistent to avoid suspicion when the auto insurance will review your claim. Fifth, get all the help information from your auto insurance on the papers and requirements needed for your claim.

Do not be afraid to ask questions. It is essential to have all the backup documents needed for your claim. Sixth, keep your insurance documents in a safe and accessible place. Do not lose your documents. Also make sure to input your contact number so you can be reached in case your car insurance needs to contact you.

Seventh, keep copies of communication regarding your claim. It can be a letter, e-mail, or telephone conversation. Always get the name of the person you spoke with. Eighth, before going ahead with the repair of your vehicle make an absolute verification of the status of claim.

Make sure the auto insurance cover the repair or you will be spending money out of your own pocket for it. Lastly, when you bring your auto insurance for repair make sure the repair shop is accredited with your auto insurance company. If you will take your car to a repair shop that has no connection with your auto insurance company, there is a possibility that the cost of repair will not be covered.


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