If your vehicle endures damages during an accident, one of the next things you should do is file an auto insurance claim. The costs of repairing vehicle damage can get expensive, so filing a claim may significantly reduce your expenses. However, if you have never filed a claim before, you might be unsure of some things and have questions.
Here are a few helpful tips for filing an auto insurance claim.
Know When You Should and Should not File a Claim
It may not be wise to file an auto insurance claim every time your vehicle gets damaged. If the damage is fairly minor and you can afford to pay for it out of your pocket, you may want to avoid filing a claim. Filing too many auto insurance claims can cause your monthly premiums to go up.
One of the biggest mistakes people make after a car accident is not taking plenty of photos. If you take sufficient photos of the damage to your vehicle, your auto insurance claim will be more credible. In addition to photos of your car, you should capture shots of other details of the accident, such as skid marks on the road.
Provide Specific Details to Your Auto Insurance Company
If you have decided that it's worth it to file a claim, you need to call your auto insurance company as soon as possible. When you speak to an adjuster, provide details about the accident, including the location of the accident and the severity of the vehicle damage.
Do not Stretch the Truth
Some people may try to embellish the details of a car accident to get more money. Do not do this under any circumstances. If your insurance company discovered that you did not tell the entire truth, they may deny your claim.
Reach Out to Your Claims Adjuster
Once you inform your auto insurance company about the accident, they will have a claims adjuster work on your claim. The adjuster will be in charge of inspecting the damage to your vehicle and determining the value of your claim. If you ever have questions about your claim, you should not hesitate to contact the claims adjuster.
If you follow these useful tips, you can file a successful car accident claim. If you have additional questions about the claims process, you should get in touch with your insurer as soon as possible.
For more information, contact a local auto insurance provider, like Right Choice Insurance and Taxes Inc.