How to Handle Your Auto Accident Insurance Claim in 5 Steps

Car accidents. They are one of the main things that none of us want to have and yet, every time that we get into our cars, it’s something that we put ourselves at risk of experiencing. And sometimes, no matter how great of a driver you are and how many precautions that you take, an accident can still happen. And when it does, you will need to file a claim with your insurance company.

So, in the effort to let you know what you should do in case something like this happens to you, we wanted to take out a moment to provide you with five tips on how to handle your auto insurance claim following an accident. Check these tips out below:

Exchange information with all involved parties. If there are injuries that have resulted from the accident, the first thing that you should do is call 911. But if not, forego that step and just make sure that the both of you exchange information. This would include your contact information, your license plate number and also the contact info for your insurance companies.

Check to see if there were any witnesses. One step that a lot of people forget to do that can actually make things a lot easier for them is looking for any witnesses who saw what happened. So, if there are people standing around watching, don’t hesitate to approach them and ask if they would be willing to provide a written statement about the account along with their phone number.

Call your insurance company. Say that you recently moved to Alaska and after you decided to compare Alaska car insurance quotes , you found a company that you were pleased with. Then, a few weeks later, you experienced a car accident. Well, the next thing that you should do is contact your insurance company. In fact, the sooner that you do, the better. Being that most of us have cell phones, our recommendation is that you call them directly from the scene; however, if the accident happens outside of standard business hours, try leaving a message; most insurance companies have 24-hour claim filing phone lines.

Communicate with the other party’s insurance company (if they are at fault). If the accident happened to be someone’s fault other than your own, another thing that we recommend you do is contact the other party’s insurance company to alert them that although you’ll be pursuing a claim through your own carrier, you will still be seeking reimbursement for fees that they may not choose to cover like car rental fees, time off work and also the amount of the diminished resale value.

Wait for the adjuster to inspect the damage. The next step requires a bit of patience. That’s because you will need to wait for the adjuster to come and personally inspect your car so that they can determine how much damage was done. Once they provide their estimate, your insurance company will cut you a check minus the deductible. For more information filing auto insurance claims, contact your insurance company.

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