How to Speed up the Auto Insurance Claim Process


Updated 05/11/22

An automotive insurance plan is a must to drive a car legally. Many see it as a bother and choose to get the least insurance they can get away with, typically, liability-only insurance. However, if they were to cause damage to someone’s property and get sued, they may quickly find themselves at the limit of their insurance. Then they may have to pay costly sums out of pocket. If you find your insurance plan too expensive or are looking to buy your first, you can get anonymous auto insurance quotes online, which will greatly help in simplifying the process.

Shop around, and you will likely find great auto insurance that won’t cost an arm and a leg. This is especially true because the offers that insurance companies provide can vary wildly. For a more in-depth conversation with an agent, you can call the auto owner’s insurance toll-free number and receive advice on what you should consider when getting insurance. For example, the best time to get car insurance quotes is when a major event happens that could affect your premiums, such as age, credit score, and driving record.

In order to drive your car, you need to have auto insurance. While you might be tempted to choose a provider and forget about it, you’ll want to do some research in order to get the best deal. Get a car insurance quote from multiple companies. This will help you get an accurate insurance payment while also determining how much add-on insurance you’ll need for your specific situation. There are many tools you can use online to find insurance companies and compare their rates when adding insurance to a new car.

There are many different things to consider when purchasing your insurance. There will likely be a minimum amount that you need, but by paying for more, you can get more protection. Accidental damage car insurance can be extremely helpful, even if it is a little expensive. Plus, if you end up with accidental damage, you’ll pay significantly less for repairs than you would have without the coverage. This is one of the things you’ll have to consider when you’re choosing which insurance plan to go with for your car.

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You were driving along, minding your own business, when someone swerved in front of you and ran into your vehicle. Not only are you going to be late for work or unable to run the day?s errands, but you are left with a damaged vehicle that will probably require thousands of dollars of repairs. Who is responsible for the costs of these repairs? This is a commonly debated topic and is usually decided by a police report, as well as the insurance companies. If you are in an accident, the best thing that you can do is to understand the appropriate steps to take. Know how to properly document everything and how to help your insurance claim move along quicker in the process.

Always carry auto insurance
By the time your vehicle is involved in an auto accident, it is too late to put an insurance policy on your vehicle. Failing to carry insurance on your vehicle, whether you were at fault or not, can not only lead to expensive out of pocket repairs, but is also illegal in many states. Even if the other driver was completely at fault, you can be fined and receive a violation ticket. Carrying auto insurance is the best way to protect yourself from any type of auto accident.

Call the police
You or the other driver may be tempted to simply switch insurance information and get on with your day. However, it can be difficult to prove fault after you have left the scene of the accident. Obtaining a police report is the best way to document who was at fault and which specific damages occurred, because of the accident. Rear end crashes totaled to 1.8 million in 2013. Rear end crashes are usually easy to identify fault, because it is clear who ran into whom. However, once both vehicles leave the scene of the accident, other considerations can be made.

Call your insurance company immediately
Your next call, following the police, should be to your insurance company. They can remind you of any important steps to take. They can also begin the process of opening an insurance claim. If you are able to provide them with the other driver?s insurance information at this point, it will speed up the communication between the two companies. This usually means that your claim will be closed quicker, and you will be driving a repaired or replaced vehicle much quicker.

Document everything
It is likely that the police will take photographs of everything. It is also likely that both insurance companies will request copies of those photographs. It is always a good idea to take your own photographs, as well. This way, if any small details are missed, like a needed windshield replacement, they are also covered. A car windshield is made up of two pieces of glass that are separated by a layer of PVB (polyvinyl butyrate) that essentially glues the two pieces together. Many auto accidents involve windshield repairs in addition to the other services at the can repair facility.

Choose a trusted car repair facility
Depending on the types of damaged occurred from the auto accident, your vehicle may need a variety of repairs. In most cases, the insurance company allows you to choose the car repair facility used. Having a car repair facility in mind can also help to speed up the process. If your vehicle needs additional services, like an automotive paint shop or an auto glass center, you can usually request recommendations from the insurance provider. If your vehicle was totaled, they may suggest a dealer that sells pre owned cars for sale.

While the average vehicle will likely have three owners in its lifetime, many vehicles are totaled out, following an auto accident with extensive damage. Auto accidents are quite common and usually involve insurance claims and police reports. It is always smart to understand the necessary steps to take, immediately following an auto accident. The more prepared that you are, the quicker your process will be handled at the car repair facility, and you will be back on the road.

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