subject: Top 7 Tips To File For Auto Insurance Claims [print this page] There are already millions of automobiles on the road and thousands are added everyday. 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.Learn well about your auto insurance plan: Insurance policy is a written contract between insurer and the insured and lay out distinctly the damages covered under it. 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.Check if it is beneficial to file for the claim: Before you file for the claim it is best to ask yourself, do you actually need to file for the claim Ask yourself, whether do you actually need to file the auto insurance claim}? Dont just file it for the heck of doing it! In case you find that the major portion of the damages is not covered it is advisable not to make the claim, as you even lose the chance of no-claim bonuses.
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.Answer the call from the insurance company carefully: 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.
5.Dont delay: 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.Well documented: 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}. In case of car collisions it is very important to keep the copy of the police report handy. Before and After photographs of the car involved would also be a great idea.
7.Get the estimate quote: Try and gather estimated quotes for reliable 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.
These 7 things will surely help you file the auto insurance claims without any trouble.
by: hiru
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