Overview Of How Car Accident Claims Occur
Car accident claims are quite common. Millions of them are filed every year. Regardless of the insurance company that you have, they are going to function in a very similar capacity. You will first have to make a call to your insurance provider and file a claim, allowing them to start the process of investigating what has happened. Based upon their assessment, and how much they pay for the type of incident you were in, you will then receive a check that can help you pay for damage that was done to your car. Here is an overview of the car accident claims process and how you can do this quickly.
How Car Accident Claims Work
This process begins with a simple phone call. You will have an 800 number that you will call, connecting you with a claims representative. They will look up your policy, and then they will take down your information about what has happened. After that, they will send out a claims adjuster. This individual will come out to the location to evaluate your vehicle. If there was a police report, or if there were multiple cars that were involved in the accident, they will also gather that information.
How Do You Get Your Money For The Accident?
This can work in a couple of different ways. First of all, they will almost always cut you a check while they are there. Some companies have the ability to print that check for you once the personal injury claim assessor is done. They will answer all of the information into their laptop, the company will process this, and then they will tell them how much you can get. In most cases, it will be more than enough to pay for the damage that was done to your vehicle, allowing you to get it fixed.
What If There Were Other People Involved?
If there were other people involved, the process is a little more complicated. They will need to gather their information. If anyone was injured or hospitalized, they will also need to know the name of the hospital, doctors, and precisely what has happened to them as a result of the accident. Depending upon the type of insurance coverage that you have, they may receive money as well. If you only have liability insurance, that is the lowest amount of coverage, and that will only provide you with money if someone else causes the accident and not you. Conversely, if you have collision, comprehensive, and PIP insurance, they will have to pay out a substantial amount of money. The representative will explain all of this that you talk to from your insurance company.
Car accident claims are not that difficult to file. He usually begins with a simple phone call. Once the process is started, within a few days, you will get the money that you need to cover the cost of the accident and the damage that was caused. If you are working with a reputable business, they will be very prompt, sending someone out right away. They will also be very quick to cut you a check so that you can schedule a time to get your car repaired from a local car repair company.