Understanding Insurance: How Do Car Insurance Claims Work

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Did you know that 20-50 million Americans get injured or disabled in a car accident every year? If you get into an accident, you’ll want to know what to do.

Are you asking yourself the question, “How do car insurance claims work?” Not to worry! In this guide, we’ll go over the auto insurance claim process.

Want to learn more? Keep reading to find out.

Provide Accident Details to Your Insurer

After the accident, you’ll want to call your insurer. When filing the claim, you’ll give information and documentation related to the incident.

Gather the names and contact information of those involved. You’ll also want to swap vehicle and insurance information.

Make sure you get the badge numbers and names of the police officers who responded to the accident. Get a copy of the accident report.

Describe the time of day, location, and weather conditions. Send any photos of the vehicle damage if you have them.

Get an Estimate

An insurance adjuster will get sent by your insurance company to take a look at your vehicle.

They will see what damage occurred and investigate the losses. The insurance adjuster will get an idea of who’s at fault for the car accident.

After, they will provide an estimate of how much the repairs could cost. The assessment will include labor and parts.

Some insurance companies may get you to go and get an estimate. If you go to a specific repair shop, they can determine how much the damage is and send a report to your company.

Wait for an Approval

After you get the estimated cost, you’ll find out if there’s a deductible to pay. Don’t make any repairs until you get approved for the repairs.

The insurance company will work hard to resolve this situation. Don’t make any decisions on repairs until you get approved.

What to Expect From Your Insurance Company

Your insurance company should help deliver on the promise in your contract. A claims adjuster should take care of the details and help you with this process.

Throughout the process, take note of the communication process. Are you finding it difficult to get a hold of your representative? Do you have an issue that you need to resolve?

If you feel as if something’s getting neglected, you’ll need to contact your state commissioner’s office. Ask what you can do. Speak to your agent about changing insurance companies if you aren’t happy with the service.

Switch insurance companies if you find out previous customers had difficulty with them, and file a claim with a reputable company.

Now You Know the Answer to “How Do Car Insurance Claims Work?”

We hope this guide on the auto insurance claim process was helpful. Now that you know the answer to “how do car insurance claims work,” find a reputable company today.

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