Getting into an auto accident may be the last thing you would imagine happening to you. But there’s always the chance that you’d be involved in one. It doesn’t hurt if you have an idea on how to file an insurance claim after an auto accident. Having the knowledge about it would come in handy just in case something unfortunate happens to you while on the road.
First Step: Contact the police!
This is easier said than done especially after a car accident when you would likely be frightened or shaken up. But it’s imperative that you contact the authorities as you will need a police report in making a claim. Moreover, the police can assist in handling the case should the other party turn difficult. Finally, the police can ensure that emergency service people would be present to handle injuries.
Second Step: Gather all information regarding the accident
Gather all the information about the accident such as the vehicle involved, location and time of the accident, the person who was driving the vehicle, description of the accident and the extent of the damage. You should also get the name and insurance details of the other party as well as those who were also involved in the accident.
Third Step: Contact your insurance company immediately
Contact your insurer after you are safe. The insurance company will then guide you through the next steps of the claims process. In case you can’t drive your car, the insurer can arrange for a towing service and provide you with a rental car.
Aside from getting the details of the accident discussed above, the insurer would also request for a police report number. In case you didn’t get one at the scene of the accident, you may still go to the nearest police station to file a report.
Fourth Step: Follow up with the adjuster
After reporting a claim to your car insurer, you will be assigned a claims adjuster. He or she will be the point person on your car insurance claim. This claims professional would handle discussions with the third party and the insurance company. He or she will investigate the circumstances surrounding the accident and help you get your claim settled and your car repaired.
Depending on the circumstances, you may meet with this person or have a talk over the phone regarding your claims. He or she would also be the one to contact the auto repair shop where the damaged vehicle would be repaired.
Keep in mind that you have to provide the claims adjuster with all the information he or she needs. The more details that you can provide, the better the claims adjuster will be able to help you.
Fifth Step: Getting your vehicle fixed
After the adjuster has finished all research and investigation regarding the accident, he or she will give you an estimated cost of the vehicle repair. This would also detail the work to be done. The claims professional will also discuss with you whether you have a deductible to pay.
If you agree with the terms presented by the adjuster, the car repair can proceed and you should be able to get your car back soon.
Call Superior Auto Body today for a free quote to get your car fixed after an accident at 559-485-3002.
