If you’ve been in an accident and you want to rely on your insurance company to cover some of the costs, it’s up to you to submit a claim to your carrier as soon as you can. Sure it’s a hassle to deal with the insurance people, and there are probably other ways that you want to spend the rest of your evening after a crash, but it’s something that has to be done. Fortunately, most companies are set up for online claim processing which really speeds up the process.
Each time you submit an insurance claim, there are a few pieces of essential information that you need to include with the claim. Make sure these items are included when you file the claim to speed the process along.
- Time, date and location of the accident
- Your insurance policy number
- A contact number for you
- Damage and injuries sustained for your vehicle
- Names of witnesses and contact info
- Whether or not there is a police report
Filing the Claim
As long as you gather all the information above and as many other details as you can from the scene of the accident, you should have no trouble filing a claim with your insurance company. Visit the company’s website and click the button to start a claim after signing into your account.
Follow along with the forms and enter in all the required information to complete the filing process. You may have to talk on a phone with your company at some point after the initial filing, but the conversation should be short and simple since you filed online.
Using a Smartphone App
Many insurance companies now provide smartphone apps that make submitting a claim faster and easier than ever before. You simply bring the app up and it will help you submit all the information that’s needed for an effective claim. You can often even attach photos or audio clips using the device to support your claim.
It’s Not Always an Option
You can’t always file an insurance claim over the internet, unfortunately. There are some companies out there that simply don’t make the option available. In those instances, you’ll have to call the company or bring all the documentation into the office, which might be more difficult if your vehicle isn’t drivable. Check with your insurance company to see if you’re able to file a claim online. If you aren’t, consider moving to a more modern company instead.
Submitting a claim to your insurance company doesn’t have to be overly complicated, especially if you gather all the necessary information at the scene of the accident. While filing at the insurer's office isn’t complicated, it’s a whole lot more convenient to file from your home computer or smartphone. You’ll cut down on your time investment, and you can move on to doing something else that isn’t related to your automotive accident, which is probably the last thing you want to think about right now.