How Do I Put in a Claim for Car Insurance?
February 3, 2019
Here we will give you some tips as to put in a claim for car insurance:
- Be in touch with the closest police station within 24 hours of your accident
- Gather as much information as your can about the accident
- Call your insurance company and they can help you with how to proceed
- Once your claim has been reported and processed, you are assigned a claims assessor to work on your claim
- Provide as much information to the claims assessor as you can as this ensures the claim goes quickly
You can file a claim for your car if you were involved in a car accident, your car was stolen or vandalized.
After you file a claim with your car insurance company, you’ll be waiting for a settlement. Bear in mind that you may need to pay a deductible if you were the one at fault in a car accident.
You can only expect a settlement if you follow the right procedures and provide the right documentation.
If you’ve been in a car accident, make sure to get all the details you can from the other driver such as their ID number and insurance details. Make sure to also take note of the kind of vehicle they were driving.
When you do get to preparing a report on the accident, be sure to keep all details accurate and consistent. The way your car insurance company investigates accident claims will depend on the severity of the accident and if there were any injuries in the accident.
With submitting a claim, you can either call the Claims Department or you can submit your claim online.
Notify the Police and Get a Case Number – Put in a Claim
You will need to notify the police of your car accident as the car insurance company will want a case number to process your claim. It is a legal requirement that you report a road accident to the closest police station within 24 hours of the accident.
The adjustor or assessor may ask you to send a copy of the police report for review. Also, inspect your car for damage, take pictures of your car and also contact the other driver. If the other driver is found to be at fault, your insurance company will want payment from their insurance company.
Don’t Delay Too Long to Put in a Claim
You need to contact your car insurance company immediately after your car accident. You can’t dilly dally with the submission of a claim. It will need to be done within 60 days from the date of the accident. When you contact your insurance company finds their contact number on your insurance card or sticker or on the company’s website.
To put in a claim, you’ll need to provide the following details –
- your full name
- all your contact details as well as details of all drivers involved, passengers and witnesses
- your policy number as well as the date and time of the accident
- your registration number of your car as well as your driver’s license
You’ll also need to visit a few car workshops for an estimate to repair your car and inform the insurance company about the cost of repair.
Your insurance company needs to represent you and deliver on what they say they’ll do in the contract. It is only after they process your claim with your insurance company they will pay for the repairs to your vehicle.
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All info was correct at time of publishing