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After an Auto Accident: How to File a Claim & How the Claims Process Works

If you have been unfortunate enough to be involved in an auto accident, you are now facing the prospect of filing a claim as a result of the auto accident. In this regard, you may be wondering exactly what you need to do when it comes to filing an auto insurance claim.

While it is true that each auto insurance company has somewhat different procedures when it comes to filing an auto insurance claim, there is enough commonality between companies to give you a general idea of what you need to do when filing a claim with an auto insurance company following an accident.

In this article you will also be provided with a general overview about how the claims process works at an auto insurance company.

File a Claim Promptly -- Donít Dawdle

The primary factor that you need to keep in mind when in it comes to the filing of a claim with your auto insurance company is that you simply cannot waste time getting the claim filed. You need to understand and appreciate fully what your own insurance policy sets forth in regard to the timing of the filing of a claim with your auto insurance company.

You must -- must -- keep in mind that if you do not follow the claim filing requirements set forth in an insurance policy by an auto insurance company, your claim automatically may be denied.

Getting an Estimate

Once you do file a claim, the next major step that you will need to take in regard to a claim with your auto insurance company is getting an estimate on the damage that has been sustained to your automobile. Generally speaking, if the claim is made with your own auto insurance company, your auto insurance company will have a claims adjuster who will evaluate what has happened to your car.

You need to keep in mind that even if an insurance carrier for another driver in another car that may have been involved in a motoring accident with you is going to foot the bill for the damages, your own auto insurance may nonetheless may want to have an adjuster take a look at your care in the event that something falls apart with the settlement with another auto insurance company.

Payment of the Claim

The last phase of any claims process is the actual payment of the claim. When it comes to the payment for damages to the automobile that may have been involved in an accident, the auto insurance company can either make payment to the entity that makes the repairs needed on the vehicle. In the alternative, the auto insurance company may make payment to you and you will make arrangements to make payment on repairs made to your motor vehicle directly with the repair shop.


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