Auto Insurance

 Avoid The Claim Filing Headache

 As if being in an accident or having your car stolen weren't bad enough, nothing cranks up your stress level like dealing with an obstinate insurer.

The claims process after an auto accident is supposed to be simple. You make a claim, an adjuster estimates the repair costs and the insurance company cuts you a check to cover the repairs.  Unfortunately, the process isn't always so simple for many of the millions of people who file claims each year.

Here are some things you can do to get claims settled as fast and as smoothly as possible:

Jot down the setting, time, weather and other aspects of the environment; you don't know what will be significant later.

Keeping a disposable camera in your auto, so you can take photos of the accident scene, is an excellent idea.

If a camera is not available, you can make a rough drawing of damage to vehicles and property, and describe any apparent injuries and other pertinent facts.

Acquire and maintain a copy of the police report for yourself as well.

Next contact your auto insurer without delay: The insurance company could void your policy if you don't. Be sure to report in writing as well to make sure that your rights are protected under law.

Check your vehicle policy- identify what coverage you have and don't have so you know what you can claim.

Ask your agent ahead of time what the claims process will be like and what information the company may need. Keep track of and know the deadlines as well. Some policies have time limits for each step of the claims' process.

If your auto is stolen, your initial response should be similar to any auto accident. First, have a police officer visit the scene and file a police report. Try to have your license plate number and VIN (Vehicle Identification Number) for the police. If the Registration is stolen along with the car, try to obtain a duplicate from the Transport Authorities without delay. Then notify your car insurance company right away. Auto insurance claims for stolen vehicles always take longer to process, because the police are given a reasonable amount of time to locate the stolen car. Stay in touch with the police regarding the development of the investigation.

If the car is not traced after a realistic period, get a report from the police to that effect. If the vehicle is traced, tell the company immediately.

Be sure and watch your claim: Obtain your claim number and call the company or claims adjuster periodically for status. With certain insurers you can track your claim's status online. Sometimes writing a letter to the adjuster or a supervisor can get things moving, if you feel they are delayed. Be persistent, but not insufferable.

And remember, to avoid walking while your claim is being processed-Check rental coverage: If the accident wasn't  your fault, you can get a rental car while yours is in the shop, paid for by the other driver's company. If the mishap was your fault, you have to have rental reimbursement coverage.

 If your car was stolen and you have  comprehensive insurance, your insurer will probably pay a capped amount each day for a rental.

In this manner when you must file a claim on your car insurance, you know that everything will be dealt  with as smoothly as possible.

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