Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have experience of meeting one of our fellow road travelers up close and personal. Using following seven steps to filing your claim will help you get over this speed bump as smoothly as possible. Step 1: Understand your policy Before a loss, sit down and carefully read your insurance policy. Call your agent or company if you have any questions about what is or is not covered.
Step 2: Exchange information If you are involved in an accident, get other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give same information about yourself to other driver. You can find insurers' telephone numbers on proof-of-insurance cards that should be carried on your person when operating a motor vehicle.
Step 3: Identify witnesses Ask witnesses to accident for their names and phone numbers in case their account of accident is needed.
Step 4: File an accident report Contact local law enforcement officers to have an accident report prepared. If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site.
Step 5: Notify your insurer Contact your insurance company about accident as soon as possible. An insurance adjuster will review accident report to determine who caused accident. If accident was not your fault, you can have either your insurance company or at-fault driver's insurance company handle repair or replacement of your vehicle. If you use other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.