File a Car Insurance Claim Quickly
It can be daunting to file a claim with your car insurance provider once you have been involved in a car accident. You may have heard the process takes forever or is frustrating to get through. But there are several things you can do to speed up the claim process on your end. When an accident occurs, you will need to file a report with the police and then alert your insurance provider about the accident.
Immediately Following an Accident
As soon as possible, you need to get a cost estimate on the repairs needed for your vehicle. Contact your insurance agent and ask how to get the estimate. They may require you to go to a particular repair shop or allow you to go to your own. Ask about a rental car at this time if you are going to need one.
You should also visit your doctor to make sure you did not suffer any injuries as a result of the accident. If you do have injuries, your health insurance may not cover costs since you were involved in a car accident and have car insurance. You will need to file a claim with your insurance company for medical expenses associated with the accident.
Gather the Documentation
As soon as you realize you need to submit a claim, request an official claim form from your insurance agent. Forms may be available online or one can be mailed to you. Before you can file a claim, there is specific information that must be collected and included with a properly completed claim form.
Your insurance company will want to see a copy of the police report. You will also have to provide a copy of your car registration and driver's license as proof you were not driving illegally. Finally, receipts for unpaid medical bills or repairs for damages to your car need to be submitted since that is the purpose of your claim.
File the Claim
Once you have all of the required documentation, you are ready to file your claim. The majority of reputable insurance companies have made it easy to file claims online. You do not have worry about your claim getting lost in the mail or taking time to hand-deliver it to your agent. Filing your claim online can speed up the claim process. Rather than waiting weeks to hear back, it may only take a few days for your insurance company to get back with you regarding the status of your claim.
Receive the Check
Go ahead and take your car in for the repairs when your agent approves the costs. You will receive a check in the mail for approved claims. Understand that if the cost of repairs is lower than your deductible, you will not be able to receive reimbursement under your insurance policy.