Claims Filing

The i's on insurance: The claim game – auto

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Filing an auto insurance claim is never fun. But with these simple steps from the Insurance Information Institute (http://www.iii.org), you can save yourself a lot of time and trouble.

"The I's on Insurance: The Claim Game, Auto" will put you on the road to a satisfactory claim filing experience, giving you the basics on what you should know, what your policy covers and the most important information to record when you're in an accident.


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Filing an auto insurance claim: Five steps

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An auto accident is a terrible experience, but it's important to gather all the necessary information in order to be able file your claim. Here are five steps to follow to make the claims process easier and quicker.


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Understanding your insurance deductibles

Deductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a car or home is an important part of getting the most out of your insurance policy.

Replacement auto parts

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Generic replacement auto parts can look and perform the same as the products produced by the original auto companies, but cost 25-40 percent less. These parts can help the consumer by keeping prices down.


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What to do at the scene of an accident

No one wants to get into a car crash. But being prepared and knowing what to do if you are involved in an accident can save lives, reduce injuries and make the claims process simpler and easier.

Determining your car's value and cost of repair

After an automobile accident, you want to make sure that you are adequately paid for the repair or for the value of your totaled car. Here's how.

Do auto insurance premiums go up after a claim?

Your driving record is taken into account when you get your auto policy—the more driving risk you've demonstrated in the past, the more you might have to pay for your auto insurance premiums. So it makes sense that your insurer might re-evaluate your rates after claims or other driving incidents (such as moving violations) that are primarily your fault.

 

Accidents and auto insurance premiums

When it comes to evaluating your driving record for the purposes of reassessing your insurance rates, practices vary from company to company.

 

What should I do if I am having trouble settling my claim?

If you've filed an insurance claim filed an auto insurance claim but are not satisfied with the result, there are a number of actions you can take towards getting a resolution.

 

  • Let your insurance professional know that you are unhappy. If the agent or representative is unable to solve your problem, get the name and phone number of the head of the insurer's claims department. Your insurance company may also have a consumer complaint department that can help.

 

How to file an auto insurance claim

1. Call your insurance professional as soon as possible — even from the scene of the accident—regardless of who is at fault. Even if the accident appears minor, it’s important to let your insurance company know about the incident and to find out whether your auto insurance policy covers you for the particular loss.