Car insurance may seem simple and basic at first glance, but it is quite complicated when you look at the details. Not knowing the ins and outs of car insurance claims can be confusing when you need to file the claim and check its status. This could lead to increased insurance claims processing time and you could also lose money in the process.
In this article, we’ll explain everything you need to know about the basics of making an insurance claim and checking the status of your claim. We’ll also cover ways to speed up and simplify your claims process and avoid certain things that could delay your claim or, worse, have it rejected. Let’s start.
File a claim
The whole process of filing a claim used to be a daunting task, but now with the advent of mobile apps and smartphones, filing a claim is a piece of cake. But it must be done correctly, otherwise your application will take longer to process or even get rejected.
Right after you have a car accident, make sure everyone is okay. Then call the doctors, then call the police. It is very important that you report the accident to the police. Not just accidents, but even if your car is damaged while parked or if it’s stolen, report it to the police first.
Obtaining an official police report is necessary because almost all insurance companies require you to have it to guarantee the legitimacy of the accident. Not having a police report can complicate the claims process and even have your claim dismissed.
After contacting the police, take a video and photos of the accident and your car. It is best if you record yourself describing how the accident happened. Get a dash cam as it can speed up the claims process.
The auto insurance company will send a representative to investigate the accident further, ask a few questions about the accident (or theft), do some background checks, and hopefully your claim will be accepted and processed.
Checking the status of your claim
Once the request has been accepted, you will have to wait a few days to be processed. Checking the status of your claim can be done both offline and online. You can contact your auto insurance company by phone or email and inquire about the status of the claim. They will need your insurance policy details and claim number (if applicable) and will let you know the status of it.
Most car insurance companies now have a mobile app that allows you to log in and find almost all the relevant information needed about your insurance policies. For example, you can find the renewal date, your coverage limit, drivers listed in your policy, and claim status.
Find the status of the claim (or claims) section in the application or on your car insurance company’s website and there you will find all the information related to your claim. But if you can’t find the claim status information anywhere, the best thing to do would be to call your auto insurance company or visit their offices.
Before making a car insurance claim, it is important that you know what policies are needed to make the particular claim. There is no single policy that covers all road damage or accidents. So let’s start with the most important ones first.
Even if you don’t have a car insurance policy or own a car, you may have heard of it. Liability is perhaps the most important car insurance coverage. Here comes the shock; you cannot claim your liability coverage.
If you are in a car accident and it is your fault, you are responsible for paying for the other driver’s car repairs and medical care. But the average cost of car repairs is around $2,000, and the average cost of hospitalization after a car accident is around $60,000. It is very likely that many people will not be able to afford this amount.
This is why you must have liability insurance to legally drive a car. Driving without this coverage can cause you legal and financial problems. You can claim someone else’s liability insurance if the traffic accident was their fault.
Collision Damage Waiver
No matter how the accident happened or whose fault it is, if you have Collision Damage Waiver, you can claim it to pay for your car repairs. This policy will also reimburse you if your car is totaled.
Collision damage waiver can be expensive. It’s important that you compare the best car insurance companies online, specific to your state to get the best coverage at the best price. For example, if you live in Indiana, get cheap car insurance quotes in indiana online and select the one that best suits your needs.
For all accidents that may occur with your car while it is parked, there is full coverage. If your car is parked and a tree falls on it, or maybe your car is stuck in a hurricane, flood, earthquake, etc. If your car is damaged in a natural disaster, the cost of repairs will be covered by this policy.
Not just natural disasters, but comprehensive coverage also covers theft, riots, vandalism, animal attacks, etc. But the only condition here is that you can’t drive the car while these things are happening.