It is imperative that you know that an auto insurance claim is somewhat a request that was made to an insurance company when compensation is needed. Insurance claims have been known to cover damages which are sustained after some sort of accidents that did not happen on purpose. The repairs can undoubtedly be very expensive, and this will completely depend on the fact that you may or may not be involved in the accident. If you are and if your vehicle has sustained some dents or is in need of some sort of repair, you will definitely need to know how you should be filing an insurance claim, and that is why I am listing out exactly how you can do that.
- You should firstly contact the police and inform them of the accident. If you have sustained some injuries, you should be in the hospital and have someone call the police for you. You will certainly be shaken up about the whole thing, and you may not be in the best place to assess the whole situation. You should make sure that the officer takes down all of the details when it comes to the accident and all of it should be in the police report. That would be the most logical thing to do indeed.
- You should also file an accident report. Many of the states have laws for reporting accidents to the Department of Motor Vehicles (DMV) or even the police. You should make sure that the criteria is met and fulfilled. Inform the concerned individuals so that further action can take place.
- Make sure that you know all of the details about your accident. You should be sure of how it happened and also if any of the parties are to blame and more as well. It is also very important that the entire incident is documented and then you should get ready to give them to the insurance company.
- You should then call your insurance company. They will be sure to walk you through to whatever has to be done next. They will also tell you all about what you or your family will have to do, if you are incapacitated. All of that will then depend on your policy coverage, and also your insurer can arrange to have the vehicle be towed and then reserve a rental car for you since your car would be going into a garage to get fixed.
- Consider the cost of the car repair and the claim repayment. You will find out if there is any deductible, then you will need to pay a small amount.