How do you go about making a car insurance claim?

Being involved in a car accident can be an extremely distressing experience. You or a loved one may have been injured, your vehicle may have been damaged and you may find yourself wondering how you will cover all the costs. One thing you can do is make a claim on your insurance. However, there are some important things to bear in mind when doing so.

  • Carefully review your policy so you understand what is covered and what is excluded before speaking to your insurance company.
  • Take photographs of aspects of the accident, such as the scene, the damage to your vehicle and any injuries you may have suffered.
  • Keep receipts from any purchases made in connection with your claim or your injuries. This can include lodging and meals.
  • Keep a detailed record of all correspondence with your insurance company. This should include the names, numbers and titles of anyone you speak with.
  • If necessary, remind your insurer of its legal obligation to provide you with the coverage you are owed.

Of course, as is explained more thoroughly here, there are also things to avoid or be wary of when making a claim.

  • Be aware of any time limits associated with your policy. These may include the period within which you can bring a legal action or by which you must supply proof of loss.
  • Avoid accepting the insurer's first estimate. It may not take everything into account, or may simply be a little low.
  • Be careful not to accept a final payment check unless you are ready and happy with it.

There are various other steps involved in the process, but to ensure you understand exactly what you are entitled to, you may find an attorney's advice helpful. He or she can advise you on the details of your claim and help you get the most out of your insurance company.

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