How to File Auto Insurance Claim

Auto Insurance claim or car insurance claim is very much needed in order to prevent any financial losses caused from accidental damages. Certain procedures need to be followed in order to get reimbursement from the insurance company by the claimant. A person can file for reimbursement in one of the following cases:

  • Accident
  • Vandalism
  • Theft
  • Non-accidental event such as severe weather or fire.

In order to file a claim, the below information are needed:

  • Claimant’s full name and policy number of the auto insurance.
  • The starting date and ending date of the policy.
  • Date and time of the occurring of the incident.
  • Names, addresses and phone numbers of all the drivers, passengers and witnesses who were present at the scene of the incident.
  • Licenses and license plate numbers of the Drivers.

There are mainly four steps to be followed by the claimant in order to file the claim:

  • Firstly, a personnel from the auto insurance company has to be assigned who works on the claim.
  • A rough idea about the coverage has to be discussed with the claims professional.
  • The claims professional evaluates the injury done to the car and an initial payment may be made.
  • Appropriate payments are finally made at the end of the case.

The car owner may be asked for temporary fixes be made to his car by the insurance company which can prevent further damage. Damages should not be permanently fixed as these will not be reimbursed by the insurance company. Receipts must be kept for the temporary fixes as this has to be produced to the insurance company. In some cases, an attorney may be hired who specializes in accident claims to speed up the process.

Ones bodily injury claims will be typically covered by the drivers bodily injury liability coverage if one has no fault in the accident. One may also pay through his Personal Injury Protection (PIP) coverage if one is in a no fault state.

Two other medical coverage which will pay for the injuries are:

  • Medical Payments Coverage: This cover pays for funeral costs, physical injuries suffered, and dental costs to the driver as well as the passengers.
  • Uninsured or underinsured motorist coverage: Pays for those who have no insurance or very less insurance covered in their names.

The liability damage coverage which is mandatory in some of the states is the cover which pays for the damage done to somebody else’s car in case of a collision. The cover which pays for one’s own car in case of a collision is the Collision Coverage and the other is the Comprehensive Coverage which covers damages to the car from non accident related events such as vandalism or severe weather conditions.

Then there are two lesser known insurance coverage which is the Gap Insurance Coverage and the Windshield or Glass coverage.

  • Gap Insurance Coverage: This Cover pays for the claimant when the car has been leased or is on loan and has been declared a total loss.
  • Windshield Coverage: This cover pays for the replacement of a broken windshield, mirror or glass in case of an incident other than collision.