About General Car Insurance Claims

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General car insurance claims are something that you will need to know about after you get into an accident, discover that your car is stolen or other similar situations. Find out about general car insurance claims with help from an independent insurance agent and small business owner in this free video clip.

Part of the Video Series: Car Insurance
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Video Transcript

This is Melissa Morley with All Seasons Insurance. Today, we're talking about general car insurance claims. General car insurance claims, the claim starts at the point that you are in the accident, or you discover that your car is stolen, or you go outside and find out after the big storm that a tree limb is come across your car. At this point, if you've been in an accident, and there are any, any injuries at all, please call 911, don't fool around with this. If you or anyone else involved in the accidents been hurt, call the emergency vehicles. If it's a fender bender and there's a number of cars involved, you're all pulled off the side of the road safely, it maybe a good time to take out your phone, click some photographs of the cars. This can help in the claims process because on theses circumstances, many times the fault is not determined. If you see skids in the road, that's a good thing to also photograph. Then you contact your insurance company. If it is clearly somebody else's fault, go through their insurance. You're gonna have their insurance information from when you've exchanged your insurance, but if it is clearly their fault, then you shouldn't have to pay your deductibles, they should pay them for you. At the end of a claim, you need to decide, am I put back to where I was before this started? Am I okay? Have my bills been paid? And when, in most circumstances, this is handled. If you need to hire a lawyer, it's probably been apparent to you at this point, but be aware they're gonna take up to 40 percent of your settlement. So when you are ready to settle, the insurance companies and you have already talked about what the compensation will be, they have you sign a release waiver. You sign that, they send you a check, your car is paid for, and you are back on the road again. This is Melissa Morley, with All Seasons Insurance, we've been discussing claims in general. Thank you very much.

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