After getting into a vehicular collision, you are required to report the collision to the DMV. In some cases, you may have to report the collision to your insurance company as well, especially if the collision wasn’t your fault and if you are trying to claim damages. If your vehicle was damaged in any way or if you have medical bills to cover, you don’t want to be fiscally responsible. When it comes down to it, filing a car accident claim is actually much easier than you would imagine – it is all in the preparation. Here are five helpful tips for filing a car insurance claim.
- Know what your insurance policy covers. Before you make a claim, you want to make sure that you look at all the fine print in your policy agreement. In some cases, you may not be able to claim certain damages – because they are not covered under your plan. If you have an insurance company like Great West Casualty Company, you may be able to get your truck covered, but not your payload. If you drive a standard vehicle and have a more comprehensive policy, you may be able to get more coverage – it all depends on how detailed your policy is.
- Never admit guilt when you are speaking with an insurance company. The moment that you admit guilt for a vehicular collision or accident is the moment that you could lose your claim. Ideally, you want to be as defensive or neutral as possible – the goal is to distance yourself from fault. If the accident is deemed your fault, your insurance company may raise the price of your premiums and you could lose your claim. If the damages are extensive, this could be devastating.
- Report and file right away. It is important to report a collision and damages right away. You don’t want to wait. Not only will the accident be fresher in your mind, but witnesses will also be easier to contact and you will have more of a chance of getting your entire claim covered. When the accident is less fresh, insurance investigators will have a much harder time getting the information they need to process the claim.
- Make sure you have photographs. It is also important to take photographs. If you have your cellphone near by, you want to try and take as many photos as possible. You want to take pictures of the road conditions, debris, the other vehicles involved in the accident, and any other evidence that may help you secure your claim. If your claim is disputed, photographic proof will vanquish any doubts.
- Don’t exaggerate. Oftentimes, insurance companies have you on the record, or even under oath, so exaggerating could get you in a lot of trouble. When you are speaking with a representative, you want to be as truthful as possible. If you lie, it could make the entire process more of a headache. In the end, the truth will really set you free in the instance of a filing an insurance claim.