In any automobile accident, the failure to receive fair compensation for auto repair costs magnifies the victim's agony. Yet, understanding and following simple car insurance claim rules can help streamline the claims process and ensure that you receive the settlement you deserve on time. Here's a brief overview of what to expect if you are involved in an accident and need to go through the car insurance claim process.
The first thing to always remember if you are involved in an auto accident is to stay calm and remain at the scene. Each state has its own requirements for driver responsibilities. It's important to contact law enforcement immediately so that you can file a report. This report will be used by both insurance companies that represent you and the other driver. Each driver should exchange contact information, along with sharing insurance company names and policy numbers. At this time it's also helpful to collect information from witnesses. You should avoid mentioning whose fault you believe it is or details about your insurance policy such as limits. If you can, use your smartphone to take photos of the damage. Try to get shots from various angles to document the damage as much as possible.
Make sure you report the claim to your insurance company as soon as possible. Within a few days your insurer will contact you to get more details about the accident and to review your policy. It's important to understand your options and ask questions to clarify coverage issues. Meeting deadlines and providing accurate information are extremely important for a smooth filing process. Filing a claim can now be done at any time from your mobile device. Getting an accurate estimate for repairing vehicle damage should be your main concern. Be sure to understand your policy and follow all car insurance claim rules. Keep in mind your claim may face an investigation, in which the adjuster contacts all parties involved. It may take time to sort out all the facts. In that sense, you need to share as much information as you can that backs your case.
If you want a replacement vehicle while your car is getting fixed in the shop, you need to have Rental Reimbursement coverage , which covers the daily rate of renting an alternative vehicle. The amount of coverage will be based on rental reimbursement limits mentioned in your policy. Of course, you need to decide how much coverage you need prior to an accident. It's often difficult for individuals to picture themselves in accidents, so they only go for bare minimum coverage. Then when an incident occurs, they wish they had purchased all kinds of extra coverage. Paying for damages out of pocket can be painful for the pocketbook, whereas having the right insurance in place takes care of big payments right away.
You're allowed to take your vehicle to any shop you choose for repair, but you may get extra advantages by going with your insurer's recommendation. It can get you set up with a shop that provides guarantees on repairs during the time you own the vehicle. Once you choose a repair shop you can get further guidance from your insurer. The cost of fixing your vehicle will amount to restoring it to its previous condition. Once the process of fixing the damage is complete, give your insurance agent feedback on how the process went. No one wants to be involved in an auto accident, but it's something everyone risks every time they get behind the wheel. Understanding how to act when an accident occurs will help reduce stress and make the process go more smoothly. Contact the experts at Fuller Insurance today in Southern California to learn more about getting the appropriate car insurance coverage for your needs.
