Ask a Successful Car Insurance Claim

Car Insurance Claims? No need to worry about filing procedures or claim insurance indemnity are saying some people a bit convoluted. Perhaps this is also what makes you afraid for insurance. Though an accident, damage, and auto theft can happen to anyone, including you. Therefore, it is very important to protect it by way of insuring the vehicle to a trusted insurance companies.

Here are some steps that can be done to launch and success of car insurance claims that you're proposing:

1. Check the condition of the vehicle
If you have an accident, immediately pulled over to a safe place to check the condition of the vehicle. If any party is injured, immediately contact the authorities to help follow up the case of an accident. After that, make sure to exchange data and information with third parties involved in the accident, such as name, address, contact details and name of each insurance company. Do not forget to note the brand of car and number of police vehicles, eyewitnesses and contact number (if any).

2. Do not disconnect responsible
Whatever you do, do not claim to be responsible for the incident before it was found guilty by the authorities, and do not offer to pay compensation to a third party before the insurer approve it because it may invalidate your insurance claim. However, if the third party claimed responsibility for the incident, then it can be a profitable note. Make the letter accompanied by a written agreement with stamp duty.

3. Take pictures of objects in the scene
If you have a camera or camera phone, use it to take some pictures from the crash site. Take a close-up shots from different angles showing damage to the vehicle. Record the time and place of occurrence of accidents.

4. Report of insurance company
Report incidents of accident to the insurance company as soon as you experience it. You may be prompted recounts details and fill out an accident claim. Each insurance company has its own policy on this matter. Generally, claims filing deadline no later than 3x24 hours after the event, complete with a number of supporting documents such as copies of vehicle registration, driver's license, insurance policies, as well as other documents.

5. Police Report
If you experience vehicle vandalism at the hands of ignorant or stolen, or accidents that occurred not because of your negligence (for example, driving over the speed limit or under the influence of alcohol), then report the matter to the police to obtain a certificate or an official report of the police.

6. The possibility of paying
Before filing an insurance claim, remember that you probably will have to pay some costs, especially if the accident occurred because of your mistake. Therefore, do check in advance about what costs should be paid to re-read the insurance policy document, or directly contact your insurance company.

However, if the incident occurred through no fault of you, or the claim is resolved by a third party insurance company, then no charge should you spend.

7. Filing a claim
Once the claim is made, there will be officers who sent the insurance company to check the damage. If the vehicle requires repair, the insurance company will designate a specific repair shop to fix it. However, there is a possibility you as the insured party proposing another workshop. But usually the process of filing a claim could take longer, especially if the insurance company objected to the estimated costs necessary to repair the vehicle.

8. The cost of repairs
If an accident occurs because of an error and the third party has claimed responsibility, then the insurance company must pay the damages. The procedure should you live remain the same as those above. However, if the third party is not insured then your insurance company to cover the cost of repairs.

9. Find out the failure of the claim
If the claim is filed was rejected by the insurance company, then find out what caused the failure of the claim by requesting a written statement. If you do not agree with the reasons for such rejection or feel treated unfairly, then do further talks with the insurance.

That lang-steps you must do to succeed car insurance claims.