When your car is involved in an accident a" no matter whose fault it may be a" you will be required to file a claim with your insurance company. It is illegal to drive without insurance and you should always be knowledgeable of what your coverage takes care of and what it doesnat. Understanding what types of coverage are out there, coverage limits, and deductibles will ensure you come out of an accident unscathed financially.
While deciding which insurance company to go with always be sure to find the company that gives you the most coverage you desire for the lowest price. Do not jump into bed with any agency before comparing prices, a process that can be very easy using online sits from Geico or Progressive. When you need to submit a claim you will find that one company will always be easier to work with than another. And, keep in mind, if you have cheap insurance it doesnat always mean you are a savvy shopper. Most of the time it probably means youare only getting what you paid for.
After an accident always make sure that you inform your insurance company immediately, making sure that they have all the correct information. Do not, under any circumstances, implicate yourself as the cause of the accident while speaking to a representative; that is for a police officer to decide, not you. Make sure to follow and instructions your are given carefully, making note of any case number you are given.
Many insurance companies, including Geico, allow you to submit a car insurance claim online. If you are more comfortable with this method, you should utilize this service if it is available. Even if you do call your insurance company on the phone, it is likely that you can follow the status of your claim and get further directions on their website
Should you decide it is necessary to call your provider, make sure to follow the directions you are given in a specific and timely manner. Chances are that there will be a lot of paperwork to organize (depending, of course, on the severity of the accident). You will definitely need a copy of the police report, which you will need to go to the police department to receive a copy of it. Also, if your car has been stolen, hope that you have receipts of all the items you plan to claim. This is the only way you will be reimbursed, minus any deductible you will have to pay.
Paperwork aside, your car will definitely need to be inspected. Whether your car is totaled or thereas a couple of scratches in the paint, an estimate is required so that an estimate for the repairs can be made. Companies like Progressive make things simple by sending a representative to your home or work. If this option is available, take full advantage of it. Most companies will send you to an approved body shop if they do not offer this convenient service.
Information should have been sent to you from your insurance company about a rental car. However, if you have purchased very cheap insurance this probably hasnat happened. Often times it is offered as an optional choice when you are signing up for your policy, and it underscores how important it is to understand your policy. If you have rental car coverage, you can use it while waiting for your vehicle to be ready for the road again.
Once an estimate for repair of your vehicle is made, the body shop will set up a time for you to leave your car with them. Make sure to discuss with them how long they will have your vehicle. When you do go to pick up your repaired car from them, it is imperative to look over the repairs and assure that they have been made to your standards. This is the time to speak up if you are unsatisfied, they should fix anything you are not happy with.
While deciding which insurance company to go with always be sure to find the company that gives you the most coverage you desire for the lowest price. Do not jump into bed with any agency before comparing prices, a process that can be very easy using online sits from Geico or Progressive. When you need to submit a claim you will find that one company will always be easier to work with than another. And, keep in mind, if you have cheap insurance it doesnat always mean you are a savvy shopper. Most of the time it probably means youare only getting what you paid for.
After an accident always make sure that you inform your insurance company immediately, making sure that they have all the correct information. Do not, under any circumstances, implicate yourself as the cause of the accident while speaking to a representative; that is for a police officer to decide, not you. Make sure to follow and instructions your are given carefully, making note of any case number you are given.
Many insurance companies, including Geico, allow you to submit a car insurance claim online. If you are more comfortable with this method, you should utilize this service if it is available. Even if you do call your insurance company on the phone, it is likely that you can follow the status of your claim and get further directions on their website
Should you decide it is necessary to call your provider, make sure to follow the directions you are given in a specific and timely manner. Chances are that there will be a lot of paperwork to organize (depending, of course, on the severity of the accident). You will definitely need a copy of the police report, which you will need to go to the police department to receive a copy of it. Also, if your car has been stolen, hope that you have receipts of all the items you plan to claim. This is the only way you will be reimbursed, minus any deductible you will have to pay.
Paperwork aside, your car will definitely need to be inspected. Whether your car is totaled or thereas a couple of scratches in the paint, an estimate is required so that an estimate for the repairs can be made. Companies like Progressive make things simple by sending a representative to your home or work. If this option is available, take full advantage of it. Most companies will send you to an approved body shop if they do not offer this convenient service.
Information should have been sent to you from your insurance company about a rental car. However, if you have purchased very cheap insurance this probably hasnat happened. Often times it is offered as an optional choice when you are signing up for your policy, and it underscores how important it is to understand your policy. If you have rental car coverage, you can use it while waiting for your vehicle to be ready for the road again.
Once an estimate for repair of your vehicle is made, the body shop will set up a time for you to leave your car with them. Make sure to discuss with them how long they will have your vehicle. When you do go to pick up your repaired car from them, it is imperative to look over the repairs and assure that they have been made to your standards. This is the time to speak up if you are unsatisfied, they should fix anything you are not happy with.
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