How To Set A Claim After A Car Collision

 In Auto Insurance, Blog

Current car insurance laws have now made it mandatory for all vehicle drivers to inform their insurance company right after being involved in any car collision. The insurance claim is the request you make to an insurance company for appropriate monetary reimbursement for any physical damage caused to the car involved in the crash.

The regulations and laws for insurance claims processes are different in every state. They can also vary by auto insurance policy and insurance providers, as well as the severity of the collision.

How to React After an Auto Accident

Here are some general guidelines on how to file a car collision insurance claim. It will help make the process quicker and as stress-free as possible.

  • Very importantly, do not panic. Stay calm and first determine whether there are any injuries to the people involved in the collision and seek medical attention if necessary.
  • Check the extent of damage to the vehicle/s.
  • Call the police so that you can file a proper car accident report.
  • Get the contact information of all parties involved: the names, phone numbers, addresses, insurance information, as well as license plates and Vehicle Identification Number (VIN).
  • Look for all possible witnesses that would be willing to give their account of the accident. Make a note of their names and contact details like phone numbers.

Man stressed holding his head

Steps to Set an Insurance Claim

  • Contact your insurance provider as soon as possible. The experts will walk you through the specifics of your auto insurance policy and the claims process.
  • You would have to provide details about the collision, such as the place, time, and date, a copy of the police report, accident scene photos. They would also need the insurance information, names, and addresses of all the parties involved.
  • If you have been able to identify witnesses, you can also use their account of the collision to support your insurance claim.
  • In case there is any dispute between the involved parties, know that the other driver’s insurance company will contact you; they will ask for a detailed account of the accident.

Adjuster Investigation

An insurance claims adjuster will also assess the damage of your car and provide a repair cost estimate. In most cases, auto body shops and insurance providers negotiate any disagreements related to the repairs needed.

Reimbursement

Depending on whose fault it is, either party’s insurance provider would be responsible for paying a reasonable cost for the damaged car’s repairs. If you aren’t accountable for the accident, depending on the other party’s auto insurance policy coverage, you might be eligible for reimbursement for things like:

  • Your collision insurance deductibles
  • Auto rental differential
  • Time off work
  • Physical damages to your vehicle
  • Amount of your vehicle’s diminished resale value

There are distinct benefits to having the right auto insurance coverage. But it’s also essential to conduct some research on car insurance companies nearby before determining which one suits your needs the best.

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