Learning How To Submit An Insurance Claim

By Susan Tanner

If youave never before submitted a car insurance claim, consider yourself very lucky! Unfortunately, for most drivers, the day will come when you find yourself in a jam, literally, and you have to deal with the insurance company. The following presents a step-by-step guide for dealing with this unfortunate situation.

To back up a step, there is one essential step you must take before you ever get to the point of submitting a car insurance claim. Itas of key importance to first get a cheap car insurance quote and to buy the insurance policy (preferably a cheap car insurance policy).

So, with your new policy in your glove compartment, and your insurance companies card with your insurance agents name on it in your wallet you head out on the wide open road. Of course you are driving carefully right? Wouldnat want to cause an accident and have your premiums go up.

aScreech! Crash! *and%^!a Letas assume that the accident was not your fault, you were driving cautiously along, minding your own business, when out of nowhere, another car slammed into you. Thankfully, no oneas hurt. Call the police. Not everyone agrees that this is necessary, but Iave found that the insurance companyas are much easier to deal with when you have a police report in hand that says the accident wasnat your fault.

Say the accident was your fault and you slammed into someone elses new car with your beat up beauty. Of course you didnat mean to, and boy wouldnat it be nice if we just went our separate ways, it doesnat look that bad right? I doubt the other person feels the same and the cops are on their way.

Police always arrive quickly to a scene. Better to get this over quickly. After the police officer reviews the scene you move your car to the side of the road or near by parking lot. You then wait while he asks the person you hit a series of questions, watching them in the most animated way possible tell him what happened. Next is your turn, you tell him everything and give him your drivers license and proof of insurance.

Once everythingas been cleared up from the scene of the accident, and youare made it home or to another safe place with a telephone, pull out your copy of that cheap car insurance policy and call the number it lists to report a claim. Grab a drink and sit back and enjoy the call-waiting music.

A representative from the company will eventually make their way to your call. Asking you the same questions the police did. Yes you have to tell the story all over again. You will want to give them a police report when you get it. You will want to know the details of your policy. If you donat they can help you with that. They can also help you find an adjuster or a body shop if needed. You should feel lucky; you made it out of the crash alive and also through your first claim. Congratulations.

About the Author:

To find out exactly how I got car insurance online, visit my website about auto insurance