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The Complete Guide to Accident Claims

Car accidents are traumatic and one of the worst experiences to go through. With good luck, if you and every other person involved in the tragedy survived without being injured, the next worst thing to follow will be dealing with your insurance company. Filing accident claims on your car can be a tiring and exasperating process, particularly when you just need your vehicle back to its past condition. Luckily, however, with a professional insurance company such as WinWales, the filing, and recovering process can become a lot easier for you.

However, it is good to have yourself informed of what it takes to filing accident claims and how to make sure that you will be compensated for the loss. Below, we provide you with the complete guide to accident claims, with the help of which, you will be able to file a claim and have your vehicle repaired/serviced in little to no time.

  1. Contact the authorities

Based on the seriousness of the accident, you will have to contact the authorities. Reaching out to them is fundamental since they will file the accident. In doing as such, they will document the facts of the accident in understanding to the declarations of the parties involved (counting witnesses). This documentation is crucial as insurance agencies will use it to figure out which party is principally in charge of damages.

  1. Get the details of the other party

If the accident involved another individual, be sure to note their details including their name, license plate number, driver’s license number, and insurance information.

  1. Obtain personal information of all witnesses

Noting the contact details of witnesses is also very essential and can help you in the claims procedure. Witnesses of the accident scene might want to discuss what they have evidenced. Affably request for their names, phone numbers, and addresses.

  1. Take pictures of the accident scene

Do take pictures of the accident scene if you have a camera phone or camera with you. Picturing the scene can significantly assist your case during the filing of a claim.

  1. Gather your appropriate information

You must have your relevant information with you before you call the insurance company for filing a claim. Your claim will not be processed unless you've provided the requested details. The information you must have:

    • Your policy number

    • Other identifying information that the insurer may use to verify your identity

    • A basic portrayal of the incident

    1. Call your insurance company

After documenting the accident and contacting the authorities, you will have to tell your insurance company. The insurance agent might request varying information to begin with filing your claims process. Provide all information to let the case proceed smoothly.

  1. Ask your insurance representative information you don’t know

Make sure you have all the information on hand that will be important to keep your claim going forward. You may ask your insurer if you will be covered for the incident, the limits of your policy, and your deductible.

  1. Talk to an adjuster

Your insurance company will refer to you an adjuster. The adjuster will call you after a few days of the claim filing to book a time to assess your car situation. It is advised to meet him/her at your earliest so that your claim is quickly processed. The adjuster is responsible for inspecting your car and accident reports and will draw conclusions about the person at fault. He/she is also designated to give a value of the vehicle's repair cost. If an adjuster concludes that the car is a total loss and if this loss is covered, your insurance company will offer you the vehicle’s replacement cost.

  1. Stay in contact with your insurer

Make sure you stay in contact with your insurer throughout the process. This is key in making certain that your case gets full attention from both the adjuster and the insurer. Maintain communication and inquire your insurer about the claim's status and its timeline.

  1. Negotiate or dispute your claim

The adjuster at times will give you repairs estimate that will be too low or simply unrealistic. In such cases, you will have to dispute the estimate and debate with your insurer.

If the replacement cost is too low, you must provide 3-5 instances of the cost to replace your car in the respective region. You can also visit different body shops and get estimates for the repairs. Submit these estimates to your adjuster/insurer.

  1. Choose a body shop

You will be provided an estimate by your adjuster and information on what is covered. Followed by that, you will be supposed to pick a body shop. It is an important step for your claims process as it leads to the closing of your claim. Choose a body shop that is proficient in repairing the model and make of your car.

  1. Document and submit all of your expenses to your insurer

Your insurer may cover specific expenses related to your accident. Therefore, it is important to document every expense as it occurs.

  • Copies of the receipts, invoices, and estimates

  • Copies of related medical bills

  • Receipt of rental car (your insurer might pay the rent in some cases)

  • Receipt of a tow truck car