Navigating the Auto Insurance Claims Process

Auto insurance is one of the most commonly purchased types of coverage across the United States. These policies provide you with essential financial protection from incidents involving motor vehicles. Furthermore, most states legally require certain levels of coverage. However, while auto insurance may be a familiar subject, it can also be complicated and nuanced. To ensure you are getting the most out of your auto insurance, take time to fully understand your coverage, including the claims process.

How to Handle an Auto Insurance Claim

Filing a claim against an auto insurance policy means requesting reimbursement from the insurance company for your auto-related losses and damages. A claim may arise from many incidents, and the resulting process may be complicated. With that in mind, you should take the following steps:

1. Contact the police. After an auto accident, contact the police. Insurance companies may require a police report to process the claim. Furthermore, this step can help ensure that the incident is documented correctly.
2. Call your agent. Report your incident to your insurance company and provide the following details:
   • Vehicles involved
   • Drivers involved
   • Location and time of the incident
   • A basic description of the incident and resulting damages
   • Name and information (e.g., insurance information, contact information) about all involved parties, such as other drivers, passengers and witnesses
3. Take notes. After contacting your insurance company, write down the claim number you’re provided. In addition, take time to create photographic and video evidence of any property damage or bodily injuries caused by the incident.
4. Repair and keep records. You may not be able to wait until a claim is settled before you need your vehicle again. Check with your insurer to see if they want you to visit a specific shop for repairs. Retain all receipts for expenses and services related to your incident.
5. Work with your adjuster. After filing your claim, your insurance company will assign an adjuster to your case. Once contacted, work with the adjuster to provide any relevant information. Your adjuster will be responsible for authorizing or denying payment for your claim.
6. If your auto insurance claim is denied, request that your insurance company provide the reason in writing and information about how you can appeal the decision. It may be advisable to consult an attorney before beginning the appeal process.

If another driver is at fault for an accident, you can file a claim against the liability coverage portion of their auto insurance policy. In such situations, receiving compensation may take longer, as the other party’s insurer may conduct its own investigation to determine if its client was indeed at fault.

We’re Here to Help

Whether you’re looking to purchase a new auto insurance policy or adjust your current coverage, the agents at Blue Granite Insurance are ready to meet your needs. Our knowledgeable staff is dedicated to helping drivers in the Mount Pleasant area protect their financial interests with optimal auto coverage. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.