subject: How to Get a Proper and Accurate Auto Insurance Report [print this page] How to Get a Proper and Accurate Auto Insurance Report
If you get in a car accident, you might have to file an auto insurance report. There are other instances when you might also have to provide such information. However, it helps to start with car accidents and then move on from there to the other events when an auto insurance report is desirable. When you are driving a car and you get into a collision, whether you were at fault or not, you need to make a collision claim and contact your insurance company.
In order to make sure the auto insurance report or claim goes through promptly and effectively, make sure you follow all required steps after an accident. Call the police, exchange phone numbers and driver's license information with the other driver, ask for proof of insurance and make sure a police report is filed. At that point, you can follow up with an auto insurance report with your auto insurance company.
There is another kind of auto damage that is not the result of a car accident, hitting a light post or other event which happens while driving your car. What if someone breaks into your car? Or perhaps the exterior of the car is damaged by someone who hits it with a bat. Fires, floods and hail can also damage cars and if your insurance policy cover this, you can make a comprehensive claim.
Did you know that if you hit a large dog, deer, cow or other animal that you might also be able to file a comprehensive auto insurance report? This is entirely possible.
To do this properly, it is best to have a disposable camera in your car and take photos on the scene. Be sure to zoom in on specific damage to your car and note the date and time of day. Get a signature from a witness, if possible, as well as a phone number. Check with the police to see if you have to contact them or make a report (you generally don't).
The next step in the process is calling your insurance agent. You have most likely obtained your insurance policy through an agent. In the rare instance where you got a policy directly from the insurance company, you may have to call that office directly.
Be prepared with all required information for an accurate auto insurance report. It never hurts to have as many details as you can, even if you worry about providing too much information. In order to get fully reimbursed, accuracy is important - and details count. Your agent or insurance company representative may ask additional questions to fill in any gaps in the information. This is standard procedure.
Just for extra reassurance, make a call to the insurance company. By doing this, you will have covered all your bases in case the insurance agent delays in informing the insurance company about the auto insurance report.
Finally, you have to file the actual claim. You can often do this online. Simply ask your insurance company if there are Internet options for filing an auto insurance report of damage to your auto. If not, you'll have to fill out paperwork and send it in by mail.
Whether you finalize the report online or by mail, be sure to list every vital detail. Again, don't worry about putting in too much information. If you answer with vague info, you may not get full reimbursement so play it safe and make sure your report is filled out accurately. Include information from the police report, if applicable.
By following these tips, you shouldn't have any problems when it comes to both filing an auto insurance report and getting the money due to you.
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