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The dos and don’t of auto insurance claims.
If you’ve never filed and auto insurance claim, then you might be at a loss about what to do. Fortunately, filing claims is actually pretty straightforward. Here are some of the things that you should and shouldn’t do to ensure that your claim proceeds smoothly.
- DO: Take Pictures and Save Receipts
You should take pictures to document your car’s damage as well as preserve the scene of the accident. If you need to tow your car, rent a car, or make other purchases related to the claim, then make sure that you save these receipts as your insurance might cover these costs. Presenting photo evidence along with purchase receipts will help speed up your claim process while simultaneously ensuring that you get all the coverage that you need.
- DO: Know What You Owe on Your Car
If you have a loan out on your car, then you need to know how much you still owe on the vehicle. If your car is a total loss, then your auto insurance will probably only cover the cash value of your car at the time of the accident. Your insurer will prioritize paying your lender first. So, if the amount you owe exceeds the car’s actual value, then you may be forced to pay the remaining loan amount out of pocket. Knowing this information ahead of time can help you prepare.
- DON’T: Wait to Call Your Insurer
It’s important to call your insurer and file your claim as soon as possible. This ensures that you can recount the details of the accident accurately. Additionally, most auto insurance policies include a clause that requires car owners to report claims “promptly.” Usually, this means reporting claims within 24-hours of the incident or risking loss of coverage.
- DON’T: Place Blame or Admit Fault
When filing your claim, it’s important that you recount the details as accurately as possible without accepting blame or accepting fault. It is up to the police and your insurance company to determine who, if anyone, was at fault for the accident. So, avoid letting your own opinion to bias your account and let your insurance company conduct their own investigation.
These are some of the dos and don’ts of filing an auto insurance claim. Do you have additional questions regarding your auto insurance? If so, then contact the experts at Phocus Insurance in Phoenix, Arizona. We are ready to assist you with all your car coverage needs today.
