How Do I File An Auto Insurance Claim

How Do I File An Auto Insurance Claim

Auto insurance comes most in handy after you’ve been in an accident. This type of insurance is a legal necessity in just about every state, and it’s there to protect you in the event of an accident occurring. Accidents are just that – accidents – and this means you never know when one may occur or how extensive the damage might be. No one wants to find themselves in an accident, but with auto insurance, you can make sure you’re protected at all times.

 

What your auto insurance covers will depend on your policy and the coverage that comes along with that policy. Typically, if you’ve financed your car, you will have complete coverage to ensure your loan provider protects their investment until your vehicle is paid off. If you own your vehicle outright, you may have options to choose lesser coverage, but this isn’t recommended. Keeping yourself completely protected ensures you have just what you need when you need it the most.

 

Filing Your Claim

 

So you’ve found yourself in an accident situation. Whether you’ve caused the accident, or the accident was caused by another negligent driver, there are a few things you’ll need to do in order to file your claim. If you’re able, you should take the following steps:

 

  • Contact the police – Even if it’s just a fender bender, your first step should be notifying the police. The officer attending the accident will complete a full report and make sure you’re safe after the accident has occurred. This report will be used to prove facts and details to your insurance company.

 

  • File an accident report – After contacting the police, an accident report will be filed either through law enforcement or your local DMV. If you have trouble filing an accident report, your insurance agent may be able to help.

 

  • Collect information and evidence – After the police have been notified and an accident report started, you’ll then collect information and evidence regarding your accident. Document all details of your accident, take photos and get any witness contact information if available.

 

  • Call your insurance provider – After collecting all the necessary information, getting your police report, and filing an accident report, it’s time to call your insurance provider. This is will allow you to begin filing your claim so you can get the compensation you need to recover after an accident has occurred.

 

There For You In The Worst Of Times

 

Your insurance provider is there for you in the worst of times, and they understand if you’re unable to complete these steps immediately following an accident situation. If you’ve been injured in an accident, your first priority should be your health and safety, and your filing process can begin after you’ve recovered to a point where you are able to complete these steps. If you have questions about auto insurance coverage, you’re not alone. Contact us at Panorama to learn more about your coverage or how you could be better covered by your auto insurance provider.

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