How to File Car Insurance Claim?
Nobody wants to involved in car accident and sometimes filing insurance claim could be exhausting and involving long process. According your car insurance type, you need to file a claim to your insurance company when your car collide with another vehicle, being vandalism victim, stolen or damaged from weather, animal or fire. Make sure you prepare your personal data, such as policy number, your policy's duration, date and time of incident, and so on. Your insurance company might ask further question in the process to complete your statement. The more detailed information and evidence you can collect, the better.
Information You will Need
- Personal Data. Aside from your own personal data, you need to collect basic personal data from people at the scene of incident, which means other driver(s), passengers and bystanders. You need to get their names, phone numbers, home address and email address. If possible, take notes about what witness saw and heard.
- Take Pictures. Take photos of the accident scenes as much as you can. It's better if you can take it before the cars are moved out of the way and you better take it from various angles. But don't create another dangerous scene just for the sake of the photos (it's not for extreme selfie purpose). Don't forget to take picture of the parties involved, witnesses and each party's insurance card.
- Insurance Details. You have to exchange insurance information with the drivers involved in the accident. Your adjusters probably ask this thing first.
- You can also get a copy of the police's report, if the police present at the scene. Make sure to get the officer's name.
Pass all of these information to your claim adjuster and make sure you also have the copy for yourself. You also need to contact your insurer as soon as possible. It will be easier for them to get accurate data. If possible, call them from the scene of accident. Even if you ask for your claim adjuster to proceed the claim, you need to be cooperative and prompt. Good communication is the key to speed up your claim process. And last but not least, be honest. Even if you are at fault in the accident, don't try to get out with lies. Insurance fraud could cost you a lot more money than the premium itself.
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