Insurance Claim
Filing an Insurance Claim
Before
You File a Claim
Be sure you know the answers to these questions before you have to file a
claim:
1.
How much liability insurance do you have? This coverage pays for damage you
cause to another vehicle or injuries to other people.
2.
Does your state have no-fault insurance? What cover ages does it provide?
(See No-Fault Insurance.)
3.
What is the deductible for your collision and/or comprehensive coverage?
When
You File a Claim
If your car is involved in an accident, if it is damaged by fire, flood or
vandalism, or if it is stolen, here are the steps to filing an insurance
claim:
1.
Phone your car insurance company or local company representative.
Do it as soon as possible, even if you're far from home and even if someone
else caused the accident. Ask your company how to proceed and what forms or
documents will be needed to support your claim, such as medical and auto
repair bills and a copy of the police report.
2.
Supply the information your insurer needs.
Normally, written notice of the accident or loss must be given to your
insurance company as soon as it is reasonably possible. The notice should
have:
your name
the names and addresses of all persons involved
the hour, date, place and facts of the accident or loss, and
the names and addresses of witnesses
Cooperate with your insurance company in its investigation, settlement
or defense of any claim, and turn over to the company immediately copies of
any legal papers you receive in connection with your loss. Make sure you
keep the originals.
Your insurer will represent you if a claim is brought against you and
attempt to resolve that claim or defend you if you're sued according to the
terms and conditions of your policy.
3.
Keep records of your expenses.
Expenses you incur as a result of an automobile accident may be reimbursed
under your policy. For example, a no-fault insurance policy will usually pay
your medical expenses, and possibly other costs such as lost wages or at
least part of your costs if you have to hire a temporary housekeeper.
4.
Keep copies of your paperwork.
Store copies of all your paperwork in your own files. You may need to refer
to it later.
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