The time you really see the value of your insurance policy is when it comes time to file a claim. Of course we all hope to never have an accident, but if you ever do you’ll be glad to have good insurance coverage to take care of your expenses.
Your first step in filing a claim is to call up your insurance company or agent; you can probably find the number on your insurance card, but if you can’t find it, it is sure to be available on the company’s website.
They’ll need some information when you call, including your policy number, when the accident happened, and contact and driver’s license information for all drivers involved in the accident.
They’ll also ask for details of the accident. Be as detailed as possible here, including personal injuries in addition to vehicle damage. Having pictures of the damage will be helpful as well.
The insurance company will look over the police report and examine your car to determine who was at fault and the extent of damage. They’ll also review any injury claims, and determine the amount of payment you’ll receive. Once this is complete, you’ll usually receive a check within a few days.
Insurance may seem complicated, but it doesn’t have to be. Now you should be well equipped to choose the right policy for your needs.