When you ask an insurance company for compensation regarding injuries or damages that were linked to a car accident you were involved in, this is known as a car insurance claim. Insurance claims are designed to cover damages or injuries sustained after a car crash, or for intervention on behalf of the insured when they’re liable.
Auto repairs can sometimes be very expensive. If you’re involved in one, you’ll want to know how to go about filing an insurance claim and what to expect in the process. Below are some of the things that are most likely going to happen in the process.
Communication with the Police
After a car crash, talking to the police is the first step to filing an insurance claim. You’re most likely going to be a little shaken up by the whole ordeal and you’re probably not going to be able to assess what has happened properly.
Having a police officer take notes of all the details of the incident or accident in his/her reports is always a good idea. Car accident lawyers also appreciate it when they have detailed police reports.
Filing the Accident Report
Most states in America for how you can report accidents to the police or DMV (Department of Motor Vehicles). Ensure you fully understand all your legal obligations and do what’s required of you. If you’re not sure about anything, contact the office of your state insurance commissioner or consult your insurance company or agent.
Gathering evidence about the accident
Having all your auto accident information and evidence ready at all times will make it easier to keep tabs on the things required for filing the insurance claim. It’s important to always document what’s happening all through the process so that you can be ready when the insurance company needs your assistance.
Communicating with your insurance company
Talk to your insurance service provider at the accident site as soon as you feel it’s safe enough to do so. They’ll guide you through what you need to do next and will tell you the information they’ll need you to send them.
If your car is rendered un-drivable because of the accident, your insurance company can advise you on what you can do next like, for example, organize transportation for your totaled car and you. Depending on the kind of insurance coverage you took out, your insurance company can arrange for towing services and get you a rental car as well.
Once you file an insurance claim, a claims professional will be assigned to your case. One of the people you’ll probably have to interact with during this period is an insurance adjuster. This claim specialist will represent you in the discussions you have with third parties. They will also help with the investigations.
If you think your case is taking too long or things are being neglected, contact the office of your state insurance commissioner or go to https://hensleylegal.com/lafayette/car-accident-attorneys to find a car accident attorney. These two entities will know how to help you out.