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Step 1
Inform the Insurance Company about the Accident Immediately : Your first priority after an accident is to ensure you and your co-passengers are okay, so a thorough medical check-up is necessary. After you are done with it, call up your insurance company and inform them about your accident. Now would also be a good time to go through your insurance policy and familiarise yourself with the exact terms of your auto accident insurance claim, if you are not familiar with it already.
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Step 2
Write a Detailed Auto Accident Insurance Claims Statement : Giving as much detail of the accident as possible and supporting your claim with pictures of the accident site, damaged vehicles, etc. is essential. In the claims statement, you must also include medical reports of all injuries that you have sustained in the accident, no matter how small the injury appears. If you add names and contact details of any witnesses to the accident, it adds more value to your claim. All this substantiates your auto insurance claim immensely.
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Step 3
Keep Track of all Events Pertaining to Your Claim : Whether it is a discussion you had with the police, your insurance agent, or a record of your medical expenses, anything that has got to do with your claim is supposed to be recorded in writing. If your claim is settled in court, these will be used as evidence. Do not try to rely only on your memory; file all bills, receipts, etc.
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Step 4
Check all Your Insurance Policies : If you have multiple insurance policies, each one may allow you to file an auto accident insurance claim. To ensure you claim all that you are entitled to, you have to know your policies' details, as discussed above. Take time out to review all your policies periodically.
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Step 5
Be Honest: Honesty with your insurance company is always the best policy. Otherwise your auto accident claim could be disqualified on fraudulent grounds.
