Gather the Information
The first part of filing a claim is getting all the necessary information around. When you file you’ll need all of the following particulars, so make sure that you have it ready to go.
- Your name and policy number
- The dates associated with your policy term
- The actual date and time that the accident occurred, so write it down!
- Name, phone number and address of each of the different drivers involved as well as any passengers or witnesses
- Both the license and plate number of each of the different drivers involved
Going through the Filing Process
In standard cases, you’ll give the insurance company the information from the accident and they will look it over. Sometimes they will ask you to bring in the vehicle, or they will send someone out to look at the damage for themselves. After examining the information and your costs, the company will put together a payment amount for you to help you cover all the expenses that you incurred, or at least whatever your policy has to cover.
Handling Personal Injuries
If you or anyone else riding with you suffered a personal injury, you’ll have to file a personal injury claim as well. These claims work much the same as a standard insurance claim, but you’ll be putting in information about your medical costs instead. In some instances, you’ll have to hire a lawyer to get the medical money that you need to cover all your actual expenditures.
Today there aren’t many reasons to drive to any place of business. It’s entirely possible to do things over the internet, and that’s true for filing a car insurance claim as well. Gather up all your information from the accident and your insurance policy into one place. Now visit your insurance website and go through the filing process right there on the page. You’ll be asked to submit information and, in some instances, photos.
It’s important to realize that not every insurance company offers this handy feature, so it’s up to you to find out who does and who does not before you pick the company that you are going to work with. There may also be exclusions for certain types of accidents, so take a minute to find out what your options are with the company before agreeing to sign up with them.
Filing an insurance claim isn’t fast or easy unless it’s a very simple case. But you still have to do it to make sure you get paid what you’re owed. Without going through the trouble you would have to cover all the costs on your own, and that’s rarely the best option.