Filing a car insurance claim after a car accident or a mishap can be an unnerving and challenging situation for some people. Having a good car insurance policy can make this process a lot smoother and help you avoid financial burdens in such scenarios.
In case you’re unsure about how claims are processed, here are some answers to frequently asked questions:
What is a Claim?
A claim is when you ask your insurer to cover and compensate for damages concerning your car after an accident or other unfortunate incidents. Making a claim can also involve requesting your insurance company to represent you in the event that you’re liable for damages.
How can I place a request for a car insurance claim?
Accidents are usually the reason you’d want to make a claim so the first steps to take are as follows:
- Call the police to take down the details of the incident and have a police report filed. It also helps to note down useful information quickly, such as plate numbers of drivers involved and photos of the incident.
- Call your insurance company immediately. Emergency numbers will be found on your insurance policy card or documents that must always be in your vehicle.
- Your insurance company will assign a claims professional who will be responsible for handling your case. You’ll be required to meet him/her and discuss the details of your claim.
- An evaluation will then be made by your claims professional, which typically involves a car inspection, other evidence and an initial payment of the deductibles/excess amount.
- A resolution of your claim will then be done, wherein the appropriate payments will be covered by your insurer according to your policy.
What information do I need to provide to file a claim?
Here is a list of information you will need to provide in order to file a claim:
- Your full name
- Your policy number
- Start and end date of your policy
- Date and time of the incident
- Names, addresses and phone numbers of all drivers, passengers, and witnesses
- Driver’s license numbers and license plate numbers for all drivers
What is claim fraud?
Claim fraud is when you provide misleading information and/or false documentation about your claim. It could involve staging accidents, false reports of stolen cars, or withholding information about an accident.
What if my claim is denied?
If a claim is denied, it’s important to find out the reason why. There are valid reasons why your claim could have been denied. Claims are reviewed and investigated and if it’s discovered that there’s some foul play that went on before the claim was made, it would most likely be declined. After you identify the reason why the claim was denied, you can learn how to avoid such mistakes in the future.. If you have doubts or objections as to why your claim was denied, some companies will have a process for appeals. This process may require you or a lawyer to present an argument and submit all the files and documents of evidence to your insurer. A successful appeal could then lead to negotiations for a settlement.