How To File For Auto Insurance Claims ?
Everyday thousands of automobiles are sold and there are already millions of them on the road
. Thus the probability of the road accidents increases manifold times. Filing for auto insurance must be the first thing you should be doing after being involved in car accident. Though, filing for car insurance is not a simple task. You should be very careful while filing the auto insurance claims. To make the auto insurance claim procedure simple and hassle free it is best to keep these tips in mind:1.Understand your auto insurance policy: Insurance policy is a document wherein, the damages covered under the contract between insurer and insured are distinctly mentioned. Before you set out to file for car insurance claim it is best to read and understand your policy documents carefully and look out for the details on the damages covered in the policy. In case you feel you lack the necessary skills take legal advice.
2.Do you actually need to file the claim: Before you file for the claim it is best to ask yourself, do you actually need to file for the claim? Never file a claim for the sake of filing it! If you find out that the major percentage of damage done is not insured then it is best not to make the claims, as in most cases no-claim bonus is much higher than the claim made.
3.Fill in auto accident worksheet carefully: It is best in your interest to fill in the auto accident worksheet carefully. To avoid legal harassment it is best to fill the auto accident worksheet with utmost care. Give minutest of the details of the auto accident to ensure speedy claim process. If you can get statements of the eye-witnesses your case will be stronger.
4.Be careful when answering calls from insurance companies: As auto accidents involve two or more person, there is a strong possibility that you will receive calls from other insurance companies too. Therefore you must be very careful when answering their questions. Pen down everything you communicate to the other insurance companies. It is a great idea to pen down everything what you have communicated to the insurance companies to avoid legal harassments.
5.Avoid delays: To make most of the claim it is best to file it immediately after the accident. For speedy and hassle free claim process it is advisable to involve the insurance agent right from the beginning Involve the insurance agent right from the beginning to avoid unnecessary delays. This is all the more important as all insurance companies have time period within which you need to file for the claim, or it is lost.
6.Proper documentation: To ensure hassle free documentation process it is very important to have proper documents for speedy claim filing process it is best to have exact documentations. Keep a copy of police report handy in case your car was involved in a collision. Also keep photographs of your car before and after the accident.
7.Get the estimate quote: It is a good idea to collect the estimate for credible sources. It is best to collect price quotes for two sources to be sure before you file the claim. These days auto insurance companies to avoid unnecessary hassles directs the insured to the pre-approved service stations to get their automobile repaired and the cost is then borne by the automobile insurance company. This is the most reliable and trusted method as it saves you from the pain of collecting quotes.
If you keep these 7 simple tips the tedious and time consuming insurance filing process will become lot simpler and hassle free.
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