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Finance Personal Finance How To Submit A Claim To Your Car Insurance Company
Finance Personal Finance How To Submit A Claim To Your Car Insurance Company
| How To Submit A Claim To Your Car Insurance Company |
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| Written by Susan Tanner |
| Saturday, 29 November 2008 11:47 |
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When your vehicle is involved in an accident, whether the fault is another driver or your own, you will have to submit a car insurance claim to your insurance company. It is against the law to operate your vehicle without insurance and you should be familiar with your policy. Understanding your coverage limits, types of coverage, and deductibles is very important. When purchasing your insurance policy, you should shop around and find cheap car insurance that offers coverage you are comfortable with. Make sure to compare prices, this is done easily online at sites like Geico and Progressive. When you do find yourself needing to submit a claim you may find that one of these two companies has the easiest and quickest way to do so. If you have cheap car insurance, this means you are a savvy shopper, donat always expect that cheap means a lower quality of service. After an accident always make sure that you inform your insurance company immediately, making sure that they have all the correct information. Do not, under any circumstances, implicate yourself as the cause of the accident while speaking to a representative; that is for a police officer to decide, not you. Make sure to follow and instructions your are given carefully, making note of any case number you are given. Insurance companies usually have a way to submit an insurance claim online. If this is a method you are comfortable with, you should definitely take advantage of it. Companies like Geico and Progressive offer ways to track the status of your claim online, so there should be no need to call a representative. If you decide to talk with someone over the phone, makes sure they you always follow their directions in a timely fashion. More than likely there will be a lot of paperwork to get together, but this also depends on how serious the accident was. Make sure to have a copy of the police report which, if you havenat already, go to the police department to get it. Also, keep in mind that if your car has been stolen, you will have to have receipts for anything you plan to claim. This is how they reimburse you, minus any deductible that may have been charged. Other than paperwork, make sure your car is checked out. It doesnat matter how severe or minor the accident was, it needs to be inspected so that an estimate can be made for the repairs. Progressive sends a representative to your home or work most of the time, but this service is not always available. If this convenience is available, take advantage of it. Otherwise most companies will send you to a body shop of their choice for the estimate. You should have received information from your insurance company about a rental car. Sometimes, if you have really cheap car insurance, this benefit may not be included. It can be an optional choice when you sign up for your policy, an important point as to why you should understand your coverage. If you do have rental car coverage, you can use it while waiting for your vehicle to be fixed. Upon receiving your estimate the body shop should set up a time for you to leave your car with them, barring that it isnat already totaled and immovable. Always discuss how long they expect to keep your car. And, when you go to pick it up, make sure the repairs fit your standards. If you are not happy with the work that has been done they should fix anything and everything you are not happy with. About the Author: To find out exactly how I got car insurance quote, visit my website about auto insurance Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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