General Insurance Claims: A Handy Guide
Having an auto insurance policy is a great thing. It helps keep you financially protected in case of an accident. Whether the incident is your fault or the other driver caused it, having an auto insurance policy on your side allows you to get your vehicle repaired or replaced. Also, it will pay for any other damage that occurred due to the incident. As you consider all that insurance does for you and your vehicle, you may be wondering more about filing claims. If so, you have come to the right place. Read on for helpful information pertaining to general insurance claims.
First of all, you will need to file a claim. If the accident was your fault, you file with your insurance company. If the accident was the other driver’s fault, you will need to file a claim with their insurance company. No matter who you file the claim with, you will need to share information such as your name, address, policy number, incident information, and other details as requested by the claims adjuster.
Next, you will follow the directions given to you by the adjuster. Most likely, they will want you to have your vehicle looked at by a professional. If you are unable to drive it, they may request a tow truck to pick it up and bring it to the shop. Depending on the company, they will allow you to pick the shop or they may choose it for you.
After the vehicle is assessed, the insurance company will decide on the next course of action. If the repairs are extensive and not worthy of being completed, you may have your car totalled and the company will offer you what your vehicle is worth. If the car is worthy of being repaired, the insurance company will then authorize the repairs.
So, you have the repairs completed and then the insurance company will pay the body shop or they may pay you so you can pay them. After that, they will want to inspect the vehicle to make sure it was repaired up to their standards. If everything looks good, you will sign off on the claim and it will be complete. If not, you will request to have your vehicle looked at again and further repairs to be done.
During the claim process, if you ever feel like you are not being taken care of by the insurance company, you should consider contacting an attorney. Since they have dealt with insurance companies in the past, they can advise you on the proper steps to take.
As you can see, by using this handy guide for general insurance claims, you can make sure that you are properly taken care of. Use the tips that have been shared here to help you after an automotive accident. With this helpful information, you can have your vehicle taken care of and deal with the aftermath of the wreck as quickly and as efficiently as possible.