When it comes to car insurance, it’s often hard to make statements that can be applied to all situations. This affects how car insurance companies process car accident claims, and much will depend on the individual’s insurer and the specifics of the accident. In this post, we will discuss how car accident claims with no bodily injury are assessed along with some guidelines on filing auto claims with your insurance company.
Car Accident Claims – Starting Point
First, you should contact your insurance carrier with your auto claim. You may be able to do this online, but some companies prefer that you do this over the phone. When filing online, go to the claims filing page of your insurer’s site. Whether you go online or call to file your auto claim, you will have to provide the following information:
- Your car insurance policy number
- Date of the auto accident
- Location of the accident
- A description of how the accident occurred
- Name, address, license plate, and insurance information for the other party involved
- The police department involved and the police report number
Investigation
Shortly after you file the auto claim, a representative from your insurance company should follow up with you. He will determine whether or not your policy covers your claim. If it doesn’t, your carrier will let you know. If it does, you will likely be asked for additional information about the auto accident. It’s possible you may be asked to obtain and submit a copy of the police report if you contacted the police at the time of the accident. Your carrier may also want to speak with witnesses.
After answering questions, the insurance company may send a claims adjuster to evaluate the condition of your vehicle and provide an estimate for the repair cost. If the adjuster does not provide an estimate, he may ask you to visit a body shop that’s been approved for a quote.
You have the right to visit a body shop of your choosing. However, be aware that if the insurance company thinks the shop is overcharging, it will ask you to pay the difference. Depending on your coverage, insurance companies will offer to have your car towed or handle rental car accommodations. Once your claim has been approved and the insurance companies are told which shop will perform the repairs, the final stage can begin.
Repairing Your Car
Now that your car is in the shop being repaired, there isn’t much you can do other than wait for the repairs to be finished. No matter which shop you choose, you’ll still have to pay your deductible.
After receiving your car, make sure everything is in order and to your satisfaction. If it isn’t, contact the shop to work out the issue. For more information, visit http://www.dmv.org/insurance/how-car-insurance-companies-handle-claims.php.
Do You Need a Car Accident Lawyer in Philadelphia?
If you were involved in an accident due to someone else’s negligence, you may be eligible for financial compensation for pain and suffering, lost wages, future lost wages, medical expenses, and more. The Heslin Law Firm offers free consultations for victims of truck accidents, motor vehicle accidents, and other types of accidents. We operate on a contingency fee basis, meaning if you don’t get paid, we don’t get paid. Gary Heslin and our Philadelphia law firm have over 30 years of experience helping clients receive fair and just financial compensation.