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How to File a Claim with Your Car Insurance Company

Whether you have been involved in an accident, had your car damaged because of bad weather, or had your vehicle broken into, you will need to file a claim with your insurance company. According to a Provo car insurance agency, after accessing the damage and checking to make sure no one was injured, if you were involved in an accident with another vehicle, you need to call your insurance company as soon as possible.Auto Accident Help

What Is Needed to File a Claim?

When you call the insurance company, you will need to give them some information so they can start processing a claim for you. The insurance company will need to know:

  • Your name and policy number
  • The date and time of the accident or incident
  • Information on the other drivers involved
  • Information on any witnesses including passengers that saw the incident
  • Driver’s license and plate numbers of the other drivers involved

If the police come out to the site of the incident, the insurance company may also request a copy of the police report. Usually, you will be given a copy of it after they have completed the report on the incident. It will be helpful to take pictures of the incident as well, so the insurance company can see the damage to your vehicle.

You may need to contact an attorney if the police find you at fault for an accident. An attorney can help you fight any claims made against you, and they may even be able to help you avoid paying a ticket for the accident if they can show that you were not the responsible party. For more information from DMV.org, find out more about tips for filing a car insurance claim.

Handling the Claim

After you’ve filed a claim, your insurance company will contact you and have a claims adjuster come to your home to see the damage to your vehicle if it isn’t driveable, or they will have you drive it to their claims department location. The adjuster will evaluate the damage to your vehicle and talk to you about the incident and what your policy covers.

If the damage was caused by an accident, and the other driver was found at fault, their insurance company will contact you about the claim as well. Once he or she inspects your vehicle and accesses the evidence for any injury claims you might have, they will offer you an initial payment for your claim. If you feel the payment isn’t fair, you may need to call an attorney to help you get a fair settlement.

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