Filing an auto insurance claim can be complicated, but it doesn’t have to be. Ensuring you’re properly informed beforehand can make the claim-making process much smoother. With a little insider knowledge, you can get more value for your insurance dollars.

 

Here’s how to file an insurance claim correctly:

 

Get In Touch

You’ll want to call your insurance agent as soon as possible. Get in contact with someone, at least a local company representative. Do this right away, even if you were not the person who caused the accident.

 

Ask your agent exactly how to proceed. Figure out what information, forms, and documentation the insurance company will want. Find out if the company requires a “proof of loss” form or any related documents. Be thorough in your questioning. You don’t want to miss anything.

 

The Basics

You’ll always need a few basics when filing a claim. Make sure you always have this information on hand:

 

• Your full name on the policy
• Policy number
• Start and end date of the policy
• Exact time and date of the incident
• Names, phone numbers, and addresses of everyone involved (including witnesses)
• License plate numbers and driver’s license for all drivers involved

 

Find a Fix

While your insurance agent or company may recommend a body shop, they cannot obligate you to go to a particular repair shop. You get to choose where you take your car for repair.

 

Guarantees Are Good

Every insurance policy has certain limits and deductibles. So you’ll want to find out the cost of repairs before you commit to anything. Working with a body shop that provides guaranteed pricing and specific timelines for repairs is important. Just make sure you get the settlement amount before you sign off.

 

Get the Information Needed

Make sure you supply your insurance company with all the information necessary to complete the investigation and claim. By cooperating to as well as you can of your ability, you’ll ensure bills are paid promptly and your car is back on the road.

 

Record Everything

Keep track of everything you’ve documented and sent to the insurance company. Record all expenses related to the accident and claim. Don’t forget about medical bills.

 

Talk it Out

If you’re not happy with a settlement offer from the insurance company, then speak up. Check your policy and then get in touch with the insurance agent or adjuster. Voice your complaint and see what happens. If you have a case, then your settlement could be adjusted quickly.

 

Working With You

Here at Protective Agency, we work with you in a time of need. We understand that a car accident can be a stressful thing. So we strive to make your life as easy as possible when filing a claim. Whether it’s a bodily injury claim, a property damage claim, or both – we are here to get you the settlement you deserve.