Tall Claims? What You Need to Know About Car Accident Insurance

Without wishing to bring back unpleasant memories, I think we can safely say that most of us have, at one time or another, been in car accidents that caused major or minor damage. For a lot of victims, however, what turned out to be even more traumatic than the accident was filing the car accident insurance claim afterwards. The task of approaching insurance adjusters and the mountain of paperwork that a claim entails has often proved to be a nightmare for many. Therefore, it makes sense to be armed with the basic know-how of filing a car accident insurance claim, which is what we will discuss in this article.

The thumb rule is to contact the auto insurance company as soon after the accident as possible. In order to know what to do and say when you call, make sure you go through every inch of your car accident insurance policy when it arrives. That way, you know exactly what you are entitled to and how much you can claim before you are unlucky enough to be in an accident.

Once you call your insurance company, they will very likely ask you to submit a written statement containing details of the accident and supporting evidence of your claim if any. When you write your statement, provide as many details of the accident as possible, including complete information about the cause of the accident as well as a detailed list of injuries sustained if any. If there are any witnesses to the accident, make sure you know where to find them later, should your claims adjuster ask for their statements. And this is crucial - provide complete information on any other vehicle or person that may have been involved in the accident.

In an ideal situation, and if you are not too traumatized, you should take photographs of the accident to support your statement. However, since that is not always feasible, you should maintain a file of all the documentary material pertaining to your claim. Keep a record of the time and date that you speak to your insurance officer and agent and retain all the bills and receipts that you collect during this time.

A very vital aspect of the claims submission process is complete honesty. Sad though it is, you would be surprised at the number of car accident insurance claims that are disqualified owing to the fact that the customer supplies misleading or downright false information. It is therefore imperative that you be absolutely honest with your insurance company.

If you have bought multiple car accident insurance policies, there is a very good chance that you will be able to submit more than one claim. Therefore, check all your policies and find out whether you are entitled to file more than one claim, so that you end up with zero out of pocket expenses.

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