There are six things you need to know in order to properly file an insurance claim with your insurance company. These things include getting a police report, call your insurance, write a claim statement, follow events of claim, check all policies, and be honest.
When you file an insurance claim you need to remember that the insurance company will look at it in two ways; either comprehensive or collision. This usually depends on the type of accident that occurred. If the accident was collision then your rates will not increase. If the collision occurred while operating the vehicle then it will be considered collision and your rates will increase.
The first thing you need to do is file a police report when you need to file an insurance claim. Many insurance companies will not consider any damage to your vehicle unless there is a police report filed that they can have. If you were in a collision then you need to call the police so you can get a report.
The next thing you need to do is call your insurance company. If you are stranded on the side of the road because your car is totaled then your insurance company can also provide you with a replacement rental car until your car is fixed or until the insurance pays to get you a new car.
After the accident is over and you have a chance then you need to write a detailed statement about the accident. While the information is still fresh in your head and you do not forget anything pertinent about what happened be sure to write everything about the accident down. Don't forget anything because although you think the information is not important it could be to the insurance company.
You should then pay attention to all events pertaining to the insurance claim. If you had a discussion with the police then you should detail the conversation. Every conversation you have then you should write down the date and time and the details of the discussion that took place. If you end up on having to go to court then you will need all documentation. You might want to create a log book so you can easily organize the conversations and who you talked to.
Another thing you should remember is that you need to be honest with everyone. Being honest will get you further than if you lie about anything. If you lie then you probably won't get anything because no one will know what they can believe from you when you do speak. Be sure to be as honest as possible and don't worry about getting into trouble for being in the wrong if the accident was your fault. The insurance company will still cover the accident if it was your fault.
When you file an insurance claim, you should be sure to do several things to make sure the insurance company will pay for the accident. You should always file a police report. You should call your insurance company right away. You should be honest and keep track of every event and person you speak to about the accident throughout the process in case you need the information in court. These things will ensure you have a successful claim with your insurance company.
Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com