What to Do After a Car Accident: Navigating Your Auto Insurance Claim

Your auto insurance can establish and cultivate your financial security even after serious accidents or other incidents involving your vehicle. However, while your policy can provide financial aid to limit out-of-pocket losses and expenses that might otherwise destabilize your fiscal situation, you must understand how to navigate the claims process.

How to Handle an Auto Insurance Claim

In the wake of an accident or your vehicle being damaged by other covered incidents, such as vandalism and severe weather, you can submit a claim for financial assistance. However, doing so can be complicated and even confusing. By knowing what to expect going into the process, you may be better equipped to successfully and promptly receive the aid you need. Consider the following steps:

1. Call the police. If your vehicle is damaged in an accident or other means, you’ll likely want to contact law enforcement. Insurance companies may require a police report to process your claim.

1. Contact your agent. Report your incident to your insurance company. Be sure to provide all relevant details, including information about other parties who may have been involved, the location and time of the incident and a general description of what happened.

1. Document the situation. Take photos and videos of vehicular damage and bodily injuries. Make sure you collect contact information from any other parties who may have been involved, including other motorists, pedestrians and witnesses.

1. Seek out repairs. In some cases, you may need to begin having your vehicle worked on before the claim’s process is concluded. Work with your carrier to determine what shops you may be eligible to visit and ensure you save all receipts and estimates.

1. Meet with an adjuster. Your insurance company will typically assign a claims adjuster to handle your case. Be sure to save this person’s contact information and provide any additional information they might require, as they will be responsible for approving or denying your claim.

If approved, your payout may be sent to you or directly to the shop you’re working with. Alternatively, if your claim is denied, you can appeal the decision. It may be advisable to enlist an attorney before beginning the appeal process.

We’re Here to Help

Contact Latinos Services in Richmond, Virginia, today to learn more about the auto insurance claims process or to ensure you have the right coverage.

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.