Just recently, a small truck bumped into my car and caused a deep dent at the back part of the car. When accidents like this happen, the 1st thing that comes to our mind is our auto insurance. Now the problem is, most people don’t have a deep knowledge of their car insurances. Do you have any idea what the coverage of the insurance is? Do you have any idea how to file a claim? Don’t worry because we are here to support you. Find out the details how to file a car insurance claim
Step 1: First evaluate whether or not you should file an motor insurance claim. Some car owner wants their insurance claim records to be clean. So evaluate the damage cost first before you even call your car insurance company. It does not matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage or not. If you can afford to pay the cost, then don’t file the insurance claim.
Step 2: Have a deep checklist of what to do. Filing insurance claim can be time consuming matter especially if you are going back and forth to the car insurance company because you missed some of the requirements. So make a checklist and keep tracks of all the documents you need time of submit the claim. Some of the most important documents such as sworn statements from witnesses, photographs of the accident scene as well as your application form.
Step 3: File the claim as soon as possible. One should file a claim as soon as possible. Some car insurance company doesn’t honor claims that happened a few weeks or months ago. So file on the spot, call your agent immediately after any road mishap.
Step 4: Finally, get your car fixed. After your insurance claim is approved, you will likely get a phone call from your car insurance company about sending an insurance assessor to assess the damage or asking you to send your vehicle to a pre-approved shop to get it fixed.
Professional Insurance Strategies, LLC
3519 E. Shea Blvd., Suite 120
Phoenix, AZ 85028