Insurance As many of us are all-too-familiar with, accidents happen. If you have been involved in an accident, it’s important to file a car insurance claim as quickly as possible to make sure that an accident is reported properly so that you can get the insurance coverage you deserve. To make the process as smooth as possible, follow these tips to file a fast claim after a car accident: 1.Document everything. As soon as an accident occurs, its important to take pictures of any damage or injury and document the details of the accident in writing, to the best of your ability. Although you can contact your insurance company directly by telephone, it also helps to e-mail or fax a letter that contains all of the details of the accident to file a claim expediently. Additionally, if an accident has cost you lost time and wages at work, its imperative to document this information in order to submit it to your insurance provider. Make sure to retain all copies of work and wage related information from your HR department; keep a personal record on file and submit a copy to your insurance company. 2.Call your insurance agent. After an accident, your insurance agent will be happy to walk you step-by-step through the process of filing a claim as quickly as possible. Although most auto insurance premiums won’t rise after a claim has been made, ask your company if they offer first-accident forgiveness so that your rates don’t increase. Many insurance companies will quickly process a claim over the telephone; other insurance companies may provide an online claim submission service that uses an automated process to file. 3.Get an estimate for damage. Your insurance agent will instruct you on how to get an estimate for any damage to your vehicle. An insurance agent may refer you to a garage to use for an inspection, although you aren’t required to use their referral. Make sure to listen to all information clearly in order to facilitate the inspection process. In the event that you do choose to go to a different mechanic with a higher repair estimate, you may be required to pay the difference. After an inspection has taken place, an insurance claims adjuster will review all of the information, taking into account the accident, damage to the vehicle, and witness statements, to find fault. At this point, you will be provided with a cost estimate that can be used to repair your vehicle. In the case of an accident, it’s important to understand that an insurance company is only required to restore your vehicle to the condition that it was in before the accident. Meaning, if your car is damaged in an accident, you’re not going to be handed a brand-new vehicle. Nonetheless, any reputable insurance agent will be happy to work with you each step of the way to restore your car to its original condition. By filing a claim quickly, you can begin the vehicle repair process to get back on the road in no time. About the Author: 相关的主题文章: