subject: These Items Are Essential When Filling Out An Auto Insurance Claim [print this page] Most people buy car insurance without much thought. They pay their bill, put that card in their wallet, and figure it's done. They pay the bills when they come every month, but other than that, they forget about it. Of course, the very existence of auto insurance means that every single day, plenty of people are getting into accidents. That's when you've got to understand your policy, and also understand how to file a claim. If you don't follow the correct procedures when filing a claim, you may be held up, or even receive a much lesser amount than you expected. That's why it's important to understand what's involved, so you can get paid quickly and in full. Otherwise, there's no real point in having insurance.
The first thing you'll need to know is everybody who is involved in the accident. That way, the insurance company won't have any trouble finding the people involved, and checking out their version of the story. Make sure to get as much information as possible, including their name, number, driver's license number, and insurance card.
Collecting as many witnesses at the scene of the crime as you can is important. Don't be shy about talking to people and getting their contact information. If you don't have any witnesses, and the other guy does, then you might be in trouble when the insurance companies involved haggle over who is going to pay for what.
Also, you'll need to get the information from the police officer who responded. The insurance company is going to need the police report, and they are the best person to give it to them.
You'll also need to know the vehicles involved. License plates, makes and models, and VIN if you can get it. The more information you get, the more smoothly your claim will go.
You should keep a camera in your car at all times. Don't depend on having your cell phone, because you never know when the battery is going to run out, or your memory card is going to be full. Get a disposable camera, and keep it in your glove box. Then if you are ever in an accident, take as many photos as you can.
Getting a good repair shop is important as well. Make sure you find one that is covered, or recommended, by your insurance company.
Obviously, you'll need to keep written records of everything. Ever time you contact anybody, you should have records. That way, if there's ever any problems, you'll be able to go back and take care of things.
Filing a claim can be tedious, but when you follow the instructions laid out in this article, you shouldn't have too many problems. Just keep your wits about you, and get as much information as you can.
by: Winston Takeda
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