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Submitting A Car Insurance Claim Made Easy.
Having car insurance is important legally and financially. Anyone who owns a car must also purchase insurance for it. The kind of insurance policy and amount of coverage you have depends on how much you are able or willing to spend on it. A less expensive insurance quote with minimal coverage can be generated in minutes using the internet. Purchasing comprehensive coverage is more expensive but has the advantage of bringing peace of mind.
In the event that you and your vehicle are involved in an accident or theft, an insurance claim must be filed to help with repairs and financial coverage for any other loss or damage from the incident. Submitting the claim should be relatively simple if done carefully and with an open mind, but doing it as soon as possible should help expedite the settlement process and the awarding of any compensation.
A police report must be filed and on record when making any car insurance claim due to an accident or theft. The insurance company will require a copy of the police report along with your claim, especially when a car accident results in death or injury. Also required when you file your claim is accurate and detailed information such as time and place of an accident or theft plus names, contact information, license (driversa and auto) numbers and insurance policy numbers of anyone who is involved in or a witness to the incident in question.
The insurance company or the agent generally inquires about the loss, damage or accident. They give information about various forms to be filled and formalities to be complied with. The person filing the claim should give all the information about the event to the insurance agent or company. The claimant should inquire from his insurance agent about the existence of any fixed duration for submitting his claim.
If your insurance policy includes collision coverage, then you should receive compensation for damage from any accident, even if it involved another vehicle or inanimate objects such as trees or walls. Ask your agent about having your car repaired. The agent should inform you of not only any repair estimate requirements, but also which auto repair/body shops you should go to for these. If anything is unclear, ask your question again, as it is better to inquire more than once than to learn later that you will have to pay such amounts out-of-pocket, etc.
You must also remember to be assertive about being informed about time frames for compensation. The importance of this is the longer it takes for the claims process to occur, the longer you do not have a repaired car to drive and the more money you might lose on rentals or other necessities. If items like rentals are not covered in your policy, the time frame becomes even more important. While you are at it, inquire further about any other benefits that you are entitled to based on your policy.
The claimant can also inquire from the agent the duration after which he will be contacted about any further proceedings about the case. If he has an auto insurance policy with collision or comprehensive cover then he will not have any worries. The insurance company will pay the damages without assigning the fault.
Car accidents and thefts are certainly not any fun. Filing and submitting an insurance claim for damages and loss from any of the above incidents should not add to your difficulties. Make the process easier on yourself by keeping clear-headed, making sure you have all the necessary information and details, involving your agent/company as soon as possible, and asking any questions you might have and expecting straight answers. If you do all of the above, you should be compensated fairly, depending on the type of coverage included in your policy.
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