Tips for Dealing with Your Auto Insurance Claim

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Tips for Dealing with Your Auto Insurance Claim

Here are some suggestions for your auto insurance claim.

If you’ve never filed an auto insurance claim before, then you might not know what to do.  While filing your first claim might seem scary, the process is actually pretty easy.  To help you out, here are some of the suggestions that you should try when filing a car insurance claim.

  • Review Your Policy

Before calling your insurance provider, make sure you take the time to review your auto insurance policy.  This way, you go in knowing what types of coverage you have.  Taking this step will ensure that you are not surprised by coverage exclusions and policy limits.  So, before calling your insurer to report the claim, look over your policy and compile a list of coverage questions so you are ready to work with your claims adjuster.

  • Take Pictures and Save Receipts

Having pictures of your car’s damage as well as the location where the accident took place will help with your claim.  If you need to tow your car, rent a car, or make other purchases related to the claim, then make sure that you save these receipts as your insurance might cover these costs.  Presenting photo evidence along with purchase receipts will help speed up your claims process while simultaneously ensuring that you get all the coverage that you need.

  • Know What You Owe on Your Car

If you have a loan out on your car, then you need to know how much you still owe on the vehicle.  If your car is a total loss, then your auto insurance will likely only cover the cash value of your car at the time of the accident.  Your insurer will prioritize paying your lender first.  So, if the amount you owe exceeds the car’s actual value, then you may be forced to pay the remaining loan amount out of pocket.  Knowing this information ahead of time can help you prepare.

Taking these steps will help you with your auto insurance claim.  Do you have further questions regarding your car coverage?  If so, then contact the experts at Club Agency Insurance Brokerage in Garden City, New York.  We are ready to assist you with all your insurance needs today.