How to File Auto Accident Claims: Everything You Need to Know
Did you know that more than 3 million people get hurt in car accidents every year? Even minor injuries can be expensive and, when you add that to the cost of fixing your car, it’s no wonder that people rely on their insurance company to help pay for the damage.
But to get the money drivers need to cover those medical bills and car repair costs, they need to file auto accident claims with their insurance providers.
The process is simple, but you need to know where to start if you want to get your money quickly. Here are a few steps you’ll need to follow as you start your claim.
Contact Your Insurance Provider Quickly
One of the biggest mistakes people make is waiting too long to file a car accident claim with their insurance provider. While you don’t have to call your insurance company at the scene of the accident, you should plan on contacting them in the next couple of days.
Most insurance companies don’t have a firm claim filing deadline, but the sooner you can start the process, the easier it will be to get a fair settlement.
Let your representative know that you were involved in an accident and need to file a claim. They’ll guide you through the process and can tell you what types of documents you’ll need to submit as proof of the accident.
Compile Any Supplemental Documentation
Insurance companies are there to help you cover the cost of repairs related to an auto accident, but they don’t always want to pay top dollar. Once you initiate the claim, compile supplemental documentation to provide the insurance company with as much information as possible.
You’ll want to give them the following:
- A copy of the police report (if available)
- Any witness statements collected by the police
- Pictures of the damage
- Contact information for the other driver (if applicable)
- Statements from your doctor outlining any injuries or subsequent treatments
The more documentation you can provide, the more likely it is that the insurance adjuster will give you a fair settlement.
Review Your Settlement Offer
According to Central Valley Accident Lawyers, you should never blindly accept your initial insurance settlement. Instead, you’ll want to review it closely and make sure it’s enough to cover your expenses.
If the insurance company lowballs you, contact an experienced car accident attorney and let them represent your case. They’ll negotiate with the insurance provider on your behalf to get you the largest settlement possible.
Now You’re Ready to File Auto Accident Claims
If you’re involved in an accident, knowing how to file auto accident claims beforehand will make the process easier and faster. As long as you follow these steps, you’ll be able to navigate the claim filing process with confidence.
However, filing a car accident claim is always easier when you have a reliable insurance provider.
Not happy with your current car insurance policy or insurance company? Check out our latest posts for tips to help you choose an insurance provider you can trust.
