An auto insurance claim is a request to an insurance company for compensation. These claims cover damage you sustain after a car accident. If you're involved in a car accident, here are some tips you should know before filing an auto insurance claim.
Provide Information on the Accident to Your Insurer
After filing a claim with your insurer, you'll be required to provide detailed information regarding the accident. Some of this information includes the names, contacts, and insurance information for any person involved in the accident. You should also give details about the location, the time, and the weather conditions.
You should take photos of the vehicle damage to help prove your claim. Get repair estimates and complete repairs before making a claim. You also need to provide the names of the officers that came to the scene of the accident. An accident report will also provide the car insurance company with the circumstances that led to the accident and the liable party(s).
Understand Your Auto Insurance Policy
A crucial part of filing an auto insurance claim is understanding what your policy covers. For example, it's important to know about your deductible. Make sure you know the value of your deductible or the amount you'll pay out of your pocket for repairs before the insurance kicks in.
You also need to know about transportation expense coverage, especially if you drive rental cars a lot. This is sometimes called rental reimbursement coverage. Inquire from your insurer how you'll get reimbursement and your policy's coverage limits for rental cars. Understanding your auto-insurance policy helps you determine the value of your compensation.
There are statutory limitations for filing car insurance claims. If you fail to make a claim within the required time, you lose the right to seek compensation. You need to know the statutory limitations for making an auto insurance claim to ensure you gather all the necessary evidence and follow all the required procedures before the time for filing a claim lapses.
The time for filing an insurance claim varies depending on the insurance provider and the jurisdiction you are in. When investing in an insurance policy, it's important to inquire about the statutory limitations for filing a claim from your insurance provider. For example, the time limit for filing claims for personal injuries may be different from the time limit for filing claims for vehicle damage.
There are many types of auto insurance claims. These include rear-end collisions, theft and vandalism, weather-related damage, and whiplash. Before making a claim, it may help to seek legal counsel to ensure you take the right steps.
Reach out to an auto insurance provider to learn more.