Filing an auto insurance claim is among those things everyone hopes they will never do. Dealing with the aftermath of an auto accident has never been easy. Many auto coverage providers out there advertise easy claim process in their package and they will be there for you through the entire process. Now it is the time you hope they will keep their words.

However, the task can be much simpler and easier if you are more knowledgeable and use the correct approach. Here is a simple glimpse of the same.

A Step-By-Step Guide to Filing an Auto Insurance Claim

Right after a nasty road accident occurs, there are several steps you must take in order to effectively file a claim with your auto insurance company and they are highlighted below. This is basic information and may vary depending on the location where the accident took place.

Step 1

Call 911 and file an official accident report while you are still at the scene of the accident. This will inform there has been an accident. A police report is very important when filing an auto insurance claim.

Step 2

Collect and write down all possible insurance policy information from the other driver.

Step 3

Collect contact information from other people including the witnesses involved in the road accident.

Step 4

Speak with your car insurance agent. When you contact your insurance agent and tell them of your accident, they are more likely to ask you many questions about the accident such as:

• When and where (time, date and location) the accident happened

• Your version of what caused the accident

• The other driver's particulars (name, license number)

• The insurance company name of the other driver

• The other party's car information (year of manufacturer, car model, registration number plate)

• Insurance policy number of the other driver

• Damage to your car

• Investigating police officer's name and badge number

Remember, it is the responsibility of your insurance agent to investigate the details of the auto accident, determine fault as well as settlement. Therefore ensure only give the information asked or required and do not claim liability.

Step 5

If the other driver is indeed responsible, contact their coverage provider as well. Tell them you have informed your agent and they will seek for reimbursement since you are not liable.

Step 6

An adjuster will come to investigate the car's damage. They will either recommend repair or declare it written off. Then you will be compensated. Remember you don't have to agree with the adjuster's offer. Consult your attorney, if you are unsure of the next step.

Basic Factors to Consider when Filing an Auto Insurance Claim

More often than not being a victim of a freak road accident is a setback in life unless you have a well-planned cover. Many will end up overwhelmed while filing an auto insurance claim. This is simply because they are not well informed. Irrespective of where you bought the policy; certain basic rules need to be followed.

• Claiming insurance can't wait!

Don't delay. Even when injured, ask your family or friends to initiate the claim process. Several automobile insurance companies will refuse the claim because the filing process was not done at the right time.

• Understand your policy details

Ideally, car owners should understand what the policy covers at the time of purchase. In case you don't, at least ensure you are acquainted with various areas insured prior to filing an auto insurance claim.

• Organize your documentation

Make sure your documents are in order before submitting the insurance claim. Avoid guesswork in case you have doubts. Consult your insurance agent instead.

• Finally be consistent with follow up

Now you know how to make the process of filing an auto insurance claim much smoother. All the best!