Auto Insurance 101: The Claims Process

Car Insurance Claim and how to file one

If you have sustained injuries and/or property damage in an auto accident, you should file your insurance claim with your insurance company or the liable party’s insurance provider. Filing this claim is a crucial step towards obtaining compensation for your injuries, damage to your vehicle, lost wages, as well as other damages caused by the accident. Here’s what you need to know.

Where Should You File Your Insurance Claim

There are first party insurance claims, and then there are third party insurance claims. The former is a claim you file with your insurer, while the latter is a claim you file with the at-fault driver’s insurance company. Majority of auto insurance holders are covered for third parties who might have been injured in a car accident for which they were responsible.

For instance, if you were driving your car and got into an accident for which you were at at-fault for, you should file your claim with your insurer. On the other hand, if you get into a car crash due to the actions of another driver or got hit by a reckless driver while crossing the road, you must file your claim with the insurance provider of the liable driver.

How Your Insurance Claim Will be Processed

First things first, you should inform your insurer about the auto accident with 24 hours of the accident occurring, says an insurance officer one of the top auto insurance companies in Chicago. If you believe that you’re not in any way at-fault for the auto accident, you need to reach out to the other driver’s insurance company. You would need to give specific details of the incident and injuries as well as property damage you sustained.

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The insurance provider would then investigate your claim. You’ll be required to submit photographs of the accident, a police report, medical report, as well as information on and from witnesses. You might likewise need to submit to a medical exam by the insurance provider’s doctor of choice.

Once the insurer has calculated your claims worth, it would it would issue and send you a settlement check. If the settlement isn’t enough or if the insurer denies your claim, you could file an appeal.