How to File Auto Accident Insurance Claim

Accidents do happen no matter how careful we drive. The situation could be tense at that moment. It is important to know all the steps to follow in order to file auto accident insurance claim and get full benefits of the insurance you have been paying for. The following steps walk you through the process of filing auto accident insurance claims in the event of an accident.

Difficulty: Moderately Easy

Instructions

1. First Call the authorities( dialing 911) and inform about the accident and the location. If there are injuries, inform the 911 operator about the same to seek urgent attention. Do not panic or get into arguments with the other party.

2. Once the police arrives, describe the event and get an official accident report written by the police officer. Don't forget to get a copy of the accident report. This may be required to file auto accident insurance claim.

3. Exchange the auto insurance information with the other party. When you call your insurance company to file auto accident insurance claim, they will ask for that , especially if you are at no fault.

4. 
   Auto Accident Insurance Claim

   After this, call your auto insurance provider ASAP. Their contact information is normally in the auto insurance card you carry in the car.

5. Describe the accident in detail and answer all the questions your insurance provider asks. They will assign a case handler to resolve your auto accident insurance claim. Note down the name and contact information of that person. You will be dealing with that person going forward. Take down the claim number too.

6. If the car is not in running condition, you will have to tow it to a repair shop. Many times insurance companies will have their choice of repair shops. If so, tow the vehicle to that shop.

7. 
   Auto Accident Insurance Claim

   Expect an insurance adjuster to come and see your damaged vehicle to access the amount of damage. If it is no fault accident from your part, insurance provider will pay the full amount of repair( or estimated value if car is totaled) to settle your auto accident insurance claim. If you are at fault, you owe the deductible. Regardless who is at fault your insurance company will process your claim. If other party is at fault, the money will be collected from their auto insurance provider.

8. If the insurance provider has direct repair felicity, your car will be repaired there and finance settlement will be done between your auto insurance provider and the repair shop. If not, you can collect settlement amount for your auto accident insurance claim and repair it at your will.