How to File an Auto Insurance Claim
Knowing what to do when you make an auto insurance claim can help you avoid some of the headaches, heartache and red tape involved in tackling the process. It can also help you get a better value for your insurance dollars. If your car is involved in an accident, if it is damaged by fire, flood or vandalism, or if it is stolen, put your insurance to work for you by following these steps in filing your claim:
- Phone your insurance agent or a 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 agent how to proceed and what forms or documents will be needed to support your claim. Your company may require all documents and pictures relating to your claim, such as medical and auto repair bills and a copy of the police report.
- You make your own decision when selecting an auto body repair shop to fix your car. Many states, including Texas, have laws that prohibit steering to specific repair shops. Insurance Companies may try and steer you towards specific body shops for repair but remember IT'S YOUR CHOICE.
- Make sure you hire an auto body shop that provides guarantees and specific timelines on repairs. At Central Auto Body Repair, we have a lifetime guarantee on all workmanship and our average auto accident repair is less than one week. We work with you and your insurance company to make sure all accident related damages are covered by your policy.
- Supply the information your insurer needs. Cooperate with your insurance company in its investigation, settlement or defense of any claim, and turn over copies of any legal papers you receive in connection with your loss. Your insurer will represent you if a claim is brought against you and defend you if you are sued as the result of an accident.
- Keep records of your expenses. Expenses you incur as a result of an automobile accident may be reimbursed under your policy. Remember, for example, that your no-fault insurer usually will pay your medical and hospital expenses. Other expenses such as vehicle towing and vehicle rentals may also be covered under your policy.
- Keep copies of your paper work. Store copies of all paper work in your own files. You may need to refer to it later.
- Talk things over with your agent or an adjuster if you are dissatisfied with the settlement offer. Check your policy to see what settlement steps it outlines and contact your agent if you have any questions about your auto insurance coverage.
Feel Free To Call Us With Any Questions Regarding Auto Insurance Claims Or Auto Repairs, We Are Here To Help!