Filing an Auto Insurance Claim: 5 Essential Steps
If you don’t know how insurance claims work, submitting one can be stressful and even confusing. To help clarify the process, this is what’s involved and how to proceed when filing an auto insurance claim.
1. Contact your insurance broker
The first step is to reach out to your insurance broker. Your broker is your primary contact when it comes to your insurance policy and he or she will be able to guide you through the claims process.
You’ll need to provide information about the accident for your broker to pass on to your insurer. This includes the names, contact details and insurance information of everyone involved in the accident. Photos of the damage to your vehicle should also be submitted.
2. Inquire about your coverage
Your broker can help you understand the details of your policy as they relate to the situation at hand. For example, you’ll want to confirm the amount of your deductible (the amount you pay out of pocket for repairs before your coverage kicks in. You may also want to determine if your policy includes a rental car while your vehicle is being repaired.
3. File a claim
It’s also important to talk to your broker about the timeline for submitting claims, as you only have so long to do so. Work with your broker to gather the needed information and documents for your insurance claim and submit everything on time.
Note also that if you’ve been injured, you may be entitled to benefits. Your broker can help you fill out the necessary claim forms.
4. Work with the claims adjuster
Your insurer will assign you an adjuster to investigate the damage and determine how much of it is covered by your insurance policy. They may also provide you with an initial estimate for repairs.
5. Get your vehicle repaired
Your insurer will likely suggest an auto repair shop that they prefer to use. However, you have the right to get your vehicle repaired at the facility of your choice. If you do choose your own auto repair shop, be sure that it’s a reputable business that guarantees its work.
When it comes to paying for the repairs, the insurance company may pay the auto repair shop directly or allow you to pay the necessary reimbursement.
Dependable insurance brokers in Nova Scotia
At Eisenhauer Insurance, we help drivers get the car insurance coverage they need, including high-risk car insurance. If you file a claim, our knowledgeable brokers will help you every step of the way. Contact us for a free car insurance quote in Halifax, NS.