Car accidents are inevitable, and you need to have the best coverage for your auto insurance. When your vehicle obtained damages due to a collision, you should start the application for your car accident claims. Repair costs are very expensive, and you need to obtain the amount you need that will cover these expenses. Make sure that you follow the right steps that can help you start with your car accident claim, and try to get the most out of your auto accident settlements.
How To Start
You can have a hassle-free time in applying for your car accident claims when you understand the steps that you should follow. These tips can guide you during the application process for your claims.
1. Call your car insurance company.
You need to get in touch with the car insurance company, when you want to start a car damage claim. Contact your agent, and obtain details regarding the documents that you need to prepare. When you file for the claim, you can have it paced against the other driver’s liability coverage or your insurance policy.
When you plan to start the claim against the driver’s insurance, you should consider efficient ways that will not cost you a huge percentage of your time and money. Try to obtain details about the person assigned to handle your claim. Since you will have to talk to the assigned insurance personnel regarding your claims, you need to get the professional’s contact details. You can call back and follow up your claim when you know how to reach the insurance personnel.
2. Submit necessary documents.
The company will require you to submit documents that will facilitate the application of your claims. You need to have a checklist of the requirements, and collate the documents with all the necessary information. The documents that you need to provide depend on your decision when filing for the claim. Gather all the reports, evidences, and other items that you need submit to your insurance company.
3. Consult a specialist who can provide you with an estimated cost for car repair.
Another important part of the application for auto accident claims is the estimated amount for the repair of the vehicle. When you have taken the car to a repair shop, you need to ask the auto specialist for the possible amount for all repairs. Your goal is to obtain the original condition of the car with the use of quality replacement parts from the factory. In addition, you should ask the specialist if there is a need for repaint job. Make a request for a list of the necessary repairs, as well as the labour cost.
When you have received the estimated cost for the repair, submit the detailed document to your insurance company. The company will analyse the document, and decide on the amount that you can get for the claims. A repair cost that is more than the amount of the vehicle will entitle you to obtain the actual cash value of your car.
4. Coordinate with the insurance claims adjuster regarding the evaluation of the car repair cost.
Even when you have submitted the car repair estimates, the insurance claims adjuster will request for an examination of your vehicle. The professional will determine if the estimated costs are too expensive or reasonable. You might also have to visit the repair shop recommended by the company for a comparison of the car repair amount. You should comply with this requirement; however, make sure that you set a schedule and location that is convenient for you. After the re-evaluation of the costs, you will receive an email from the claims adjuster regarding the final decision of the company.
5. Sign a property damage release document.
The final part of the process is the signing of the property damage release document. The form indicates the agreed amount for the claim that disallows you to collect additional money from the company. Since the form closes the settlements, you need to check all the details stipulated in the document. You cannot have further dispute on your claims when you have signed this form.
Get The Most Out Of Your Claims
You can have big deductions from your claims when you consider applying these effective tips:
1. Give the best answers that can help you gain the most out of your claims.
Immediately after the collision, the driver who is at fault for the accident has not been determined yet. The insurance company will get the final decision regarding the blame for the damage after the accumulation of a police report, witnesses, tickets, and pictures of the event. Do your best to provide the insurance personnel with the best and truthful answer to queries about the car accident.
Moreover, try to be calm when you talk to the insurance personnel. Your goal is to express the right answer that will facilitate the application of your claims. Your answers should also focus on the evident involvement of the driver to the accident. This way, you can have a huge chance of getting the most money from your car accident settlements.
2. Gather sufficient evidences of the auto accident.
Since you choose to file the claim against the driver’s liability insurance, you need to gather evidences that put the driver to blame. The best, supporting evidences include pictures relevant to the auto collision scene, police reports, and statements from witnesses. When you have gathered evidences that point out the faults of the driver, you can obtain deductions to your claim. For instance, if your fault for the collision is only 20 per cent, your car accident claim will be reduced to the same percentage.
You need to include several pictures that will provide strong evidence that you are not at fault in the accident. Relevant picture include damages in the interior and exterior parts of the vehicle, personal bruises acquired because of the car accident, position of the vehicles involved in the collision, license plate and vehicle model of the other driver. Getting help from a professional company such as Claims4free no win no fee will increase your chances of getting 100% compensated with a no win no fee deal.
Andy is an enthusiast and a professional writer on finance, law and crime. In his writings, he also puts down his own experiences and public reviews.