How to File an Auto Insurance Claim

Being involved in a motor vehicle accident that damages your car is upsetting, but it is not a reason to panic. Remember, this kind of situation is the reason people carry insurance. In most cases, filing an insurance claim and receiving the payment you need is a simple process. This article will outline the basic steps of filing a car or motorcycle insurance claim.

Of course, having the right insurance company working for you is the key to resolving car accidents efficiently. To learn about affordable Chicago auto insurance policies available to you, call Insure on the Spot at 773-202-5060.

Insurance Claims Step by Step

You’ve evaluated the damage to your car, called the police to file a report, and exchanged information with the other driver. Now what? In most cases, you will need to:

Call your insurance company. This step should be taken as quickly as possible, ideally while you are still at the scene of the accident. Even if the other driver was at fault, your insurance agent can help. For example, he or she can advocate for you if you pursue a claim against the other driver’s insurance provider.

Next, you need to gather evidence of the damage to your car. Police reports are useful for this, but you may want additional documentation. Photographs, repair estimates from a mechanic, and witness testimony can help you demonstrate how much repayment you will need.

Be ready to spend some time on the phone. An agent from the other driver’s insurance provider will probably call you within the next few days to get your version of the story. Additionally, your insurance company may want more details. If there is a dispute between you and the other driver, this phase may eventually end in court. However, many claims are resolved more easily.

Once you receive your insurance payment, be sure to check it against your repair bills and the details of your policy to make sure it is fair. If not, you may need to call your insurance company to contest the settlement they have offered. Once again, clear documentation of the accident and its consequences is very important.

Contact a Chicagoland Car Insurance Agent

Insure on the Spot provides reliable service and free Chicago auto insurance quotes to our customers. To learn more, contact us at 773-202-5060.