Submitting A Car Insurance Claim For The Uninitiated
If youave never before submitted a car insurance claim, consider yourself very lucky! Unfortunately, for most drivers, the day will come when you find yourself in a jam, literally, and you have to deal with the insurance company. The following presents a step-by-step guide for dealing with this unfortunate situation.
As a pre-step to the first step, let me just say that the best thing you can do for yourself is to get a cheap car insurance quote. Remember the cheaper your quote the less you will have to pay monthly.
Policy in hand you start on your adventure to your next destination. Your Insurance is in your glove compartment and you are feeling pretty good about all of the money you are saving. Thinking about how much money you are saving and why, you choose to drive carefully.
You are sitting at a stop light thinking about how you need to stop by the drug store on the way home but your too tired, another car slams into the back of you. You are disoriented but ok. First things first, you call the police. With the way the other person is mugging you can tell this is not the first thing they wanted to do. A word of advice though, insurance companies are much easier to deal with when the accident is not your fault and you have a police report saying so.
Now, say the accident was your fault, your kid just so happened to throw a shoe that ended up falling underneath the brakes. Hey, it happens. You probably wonat even have to worry about calling the police yourself because the other person has probably done it already. So sit back and wait for the drama to begin.
Police always arrive quickly to a scene. Better to get this over quickly. After the police officer reviews the scene you move your car to the side of the road or near by parking lot. You then wait while he asks the person you hit a series of questions, watching them in the most animated way possible tell him what happened. Next is your turn, you tell him everything and give him your drivers license and proof of insurance.
Once you are given the go head you head home, or to moms to cry on someones shoulder. You get out the card that your insurance agent gave you and call him. Be prepared to wait a while, put in your favorite movie. No I am not kidding unfortunately.
A representative from the company will eventually make their way to your call. Asking you the same questions the police did. Yes you have to tell the story all over again. You will want to give them a police report when you get it. You will want to know the details of your policy. If you donat they can help you with that. They can also help you find an adjuster or a body shop if needed. You should feel lucky; you made it out of the crash alive and also through your first claim. Congratulations.
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