How To File A Car Insurance Claim In New Jersey
How To File A Car Insurance Claim In New Jersey
Most drivers in New Jersey will eventually get in an accident. Be it the fault of another driver, the weather, or your own mistakes, damage to your car is usually quite expensive to repair. If you have insurance and you should, if you are driving, your car insurance NJ will take car of all or most of the cost. However, it is important to follow the tips below to make sure that your claim is properly processed.
STEP ONE: DOCUMENT THE ACCIDENT
Unsurprisingly, the entire filing a car insurance claim in New Jersey is a great deal easier with more documentation. It is always a wise idea to keep current pictures of your vehicle available for insurance purchases, just as you would do with any valuable asset. If you have this, pictures of the scene of the accident will help the adjusters see exactly what has happened. Witness and police statements are also quite handy, and be prepared to show your agent and adjuster as much evidence as you can muster.
STEP TWO: CALL YOUR AGENT
After you have shaken off the accident and gathered evidence, call your agent. Be as calm and rational as possible, and understand that the agent will likely have to ask you quite a few questions before they can get to work on helping you. If you went about purchasing your car insurance NJ in a reasonable manner, the agent should be trustworthy and willing to help you. As your liaison with the company as a whole, this is the person you should be able to rely on for most of the legwork. If nothing else, they should provide a sympathetic ear to hear about your problems.
STEP THREE: FOLLOW UP
No matter how good your insurance company, it will be up to you to follow up on the claim. This may require you getting in contact with adjusters multiple times, checking on the process of the claim, and making repeated phone calls about reimbursement. It may seem tedious, but this is the best way to get your money quickly. While you are sure to get a pay out eventually, try to remember that the insurance company would prefer to do it on their own terms. You need to make sure that the claim is processed in a time frame that is convenient for you.
If you are ever in an accident, be happy that you purchased car insurance NJ. Remember to always document that accident, get in contact with your agent as soon as possible, and never stop following up once the process has begun. It may take a great deal of hard work on your end, but you will be more satisfied with the results. While the claims process can be frustrating, it is also the best way to restore your car to a drivable condition.
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