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How To Submit A Claim For Insurance On Your Car

Jun 13, 2008
You may have had auto insurance for quite awhile. But that doesn't mean you know what to do when it's time to file a claim. However, filing an insurance claim isn't that hard. Here are some steps to make it easier.

Get acquainted with the requirements of your own insurance company's policy. Not all companies are alike in their constraints, so if you want to get paid promptly, know their demands and comply with them.

One example of this is the need to get more than one quote for repairs on a vehicle you have insured. Some companies require two while others may ask for three estimates. Some also designate a place to get an estimate as well. Usually they will approve the lowest bid for the work.

Before you get estimates from garages, you will often have a claim adjustor make an estimate of the cost of repairs. If the vehicle is drivable, you may be directed to a drive up location for the estimate. When the vehicle is not drivable, the estimator usually goes to where the car is located.

These days more often than you might imagine, the cost to repair a vehicle may exceed what that machine could be sold for on the open market, that is, its value. In that case, the vehicle is labeled as "totaled." That doesn't mean you won't fix it; it just means the insurance company is limited by two things: the value of the auto PLUS the limit of the policy you've been paying on all these years.

Do not postpone filing an insurance claim! Start immediately after the accident, as soon as you are able. Snap some photos. Get the other driver's information, if someone else was involved. Cover your bases. Get all the info you may need in case your state requires also filing a police report.

One thing that's helpful is a drawing of the layout of the accident. Don't go all Rembrandt, but grab the notepad out of the glove box (there just in case) and sketch the scene. If you've got a cell phone that takes photos - and you know how to use it - snap some pictures from every pertinent angle. Or run for a disposable at a nearby store.

What if you're at fault? Whether you are or not, don't go off blathering about it. When you must refer to the accident, try to state facts without embellishing them with statements of fault. It's also usually a better idea to keep your reports and opinions between you and your insurance company. No need talking freely with the other party or the other party's insurer.

By having accurate information and by doing exactly what your insurance carrier requires, submitting a car insurance claim does not have to be too frightening. The best plan is to read your policy thoroughly so that you know both your rights and your responsibilities when you actually file a claim.
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To find out exactly how I got car insurance , visit my website about auto insurance
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