Filing An Insurance Claim
Chances are that you will at some time in your
life have a need to file an insurance claim. Do you know what to do. Here
are a few steps to take in filing your insurance claim.
Decide If You Really Want To File
If you file an insurance claim, your rates
might increase. If the damage to your vehicle is $700 and your deductible
is $200, it might be better for you to just pay the rest of the damage out
of pocket. If you cannot easily pay for the damage yourself, then you need
to file. File Your Claim Quickly
Get your claim in as soon as possible. No use
dragging your heels. The sooner you report your loss, the sooner you will
have your vehicle repaired or even replaced.
Document Your Progress
Record everything. Write down who you talk to,
when you talked to them and what you said. If your claim involves another
driver, you should expect for their insurance company to possible contact
you. They will ask you for your version of the accident. Have your
information handy, organized and accurate. Fix
Your Vehicle
Have your vehicle repaired at the shop of your
choice. Remember, you can use any shop you like. Your insurance company
can offer you incentives to use a certain shop but they cannot require it.
Your insurance company may want to look at your vehicle to appraise the
damage before authorizing repairs. |