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How to File a Car Insurance Claim

Let’s say you had an accident while you were driving your car, and the other driver was at fault. What do you do? Well, most people would call the police and file a claim. However, not everyone can afford this. For that reason, you need to know how to file a car insurance claim. You have to follow some steps before you can file a claim, and you have to be aware of the cost of filing a claim.

If you have an accident and are in need of a car insurance claim, follow these steps: 

File a claim 

When you sign a contract with your insurance provider, you agree to have the insurance cover any damage or injury that you cause to another person or property. If you should cause damage or injury to your own car, you should file a claim.

Keep the Police Scene and Property Report 

If you live in a large city, chances are you’ve had to file a claim with your car insurance company at some point in time. You may have been in an accident or needed to make a quick repair after an unfortunate incident or witnessed another driver’s accident and needed to report the scene of the accident. Even if you didn’t need to report the accident, there’s a good chance your insurance company will ask you to do so.

Contact your insurance company to set up a claim meeting 

A lot of times, people wait too long to file a claim. They assume that the insurance company will just give them their money back, but in reality, there are a number of steps you will have to take before this happens. At the very minimum, you will need to contact your insurance company and inform them of the incident you suffered.

At the claim meeting, your insurance company will review the claim, estimate the damages and pay the claim 

If a car accident caused you to file a car insurance claim, your insurance company should be able to tell you what happened and what you need to do to get your claim paid.

You are not required to attend the claim meeting

The most important thing to remember when filing a car insurance claim is that you are not required to attend the claim meeting. Car insurance companies only want to hear what you have to say . . . the rest is up to you.

You can make a claim of $15 or $25 per day 

Some car insurance companies will pay you around $15-$25 per day, depending on your car, accident, and your driving record. You can check to see if the company pays you daily by looking online at their website.

The claim needs to be made within 30 days of the accident

If you have been injured in a car collision, it is important to report the accident right away. If you fail to report the accident to your insurance provider, they may not pay the claim, and you will be responsible for any costs.

You can send your claim to your insurance company via mail or fax 

Your insurance company may require you to file a claim over the phone. If so, you may wish to use the auto insurance claims phone numbers to file your claim directly to your insurer.

Your policy will be sent to you in the mail 

If you have a car, you probably have insurance. If you don’t, you need one. If that’s you, you’re in luck. Before you purchase your car insurance, you need to review your policy because some insurers mail you a policy form in the mail, and some don’t. If your policy is sent in the mail, you need to fill it out before you send it back to your insurance company.

The insurance company will review your claim and contact you

When you file your car insurance claim, you cannot be sure how long it will take for your company to evaluate and process your claim. Some companies will contact you as soon as they receive it, while others might take weeks.

With cars getting more expensive, many people wish to protect themselves from unforeseen expenses. If your car is damaged in an accident or stolen, you may be able to file a claim for compensation. However, it is important to note that the state of your medical health may affect the likelihood of you getting a claim and the amount you get.

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