How to File an Auto Insurance Claim
It’s crucial to contact your agent or insurer right away if you are in an accident or your vehicle is damaged. Depending on your coverage, your insurer may help pay for your legal liability for someone else’s accident-related injuries and property damage. They may also help pay to repair or replace your vehicle.
Gather Information for Your Auto Insurance Claim
Before your insurer can evaluate your accident or incident and make a decision about your auto insurance claim, you must provide them with the following key details:
- The police report number. If the police were not present after the accident, you could go to the police station to file a report.
- The other drivers’ insurance information. Your insurer will work with the other drivers’ insurance company to determine the details of your claim.
- Basic information about the accident. Your insurer needs to know who was driving at the time of the accident, the time and location of the incident and a description of what happened.
- Photos of the damage to your vehicle and the other driver’s car. You might be able to upload photos of the property damage to the insurer’s app on your phone.
Your agent can help guide you through filing an auto insurance claim. Your insurer will assign you a claim number and adjuster to start the process.
Claims adjusters evaluate and process claims according to the policy’s terms. They review your policy’s coverage and negotiate a settlement with the other driver’s insurance company to help cover the costs of covered property damage and injuries.
Can an Insurer Deny an Auto Insurance Claim?
Auto claims may be denied for numerous reasons, causing the policyholder to pay high costs out of pocket. It’s crucial to understand your coverage and be aware of the reasons claims may be denied, including:
- The vehicle involved in an accident was not listed on the policy.
- The policy lapsed or expired.
- The total liability claim exceeded the policy’s limits.
- The person driving during the accident was not listed on the policy.
- The driver was driving under the influence at the time of the accident.
- The driver did not have a valid license at the time of the accident.
- Vehicle damage existed before the accident.
- The accident was not immediately reported to the insurer or the police.
How to Get Appropriate Auto Insurance Coverage
Having appropriate auto insurance is crucial to protect your future financial stability. Contact Contigo Insurance Agency with locations across Texas to get auto insurance customized to meet your needs.
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.