How do I collect from an auto insurance company for a claim?

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Things to Remember...
  • Collecting a payment for an insurance claim depends on a variety of factors
  • After you get into an accident, make sure you take pictures and write down a variety of information
  • Once you have obtained information, you can file a claim with your insurance provider
  • If your insurance provider seems to be taking a long time with the payout, you can speak with an attorney

Obtaining payment on a car insurance claim depends on a lot of factors.

The process is not an automatic payout, and frequently insurance companies will find issues that lower a claim and their contracted coverage.

It is important to know what procedures to take in an accident, what information to get, and how to communicate to an auto insurance company in this situation.

Much depends on who is making the claim, what information is available about the claim, and if a payout is the really the best direction for the insurance provider to take in the matter.

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Preliminary Steps

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Most people don’t plan to file a claim with a car insurance company, but they buy auto insurance for that same reason.

If the need does occur due to an accident or loss, be ready with these essentials.

Dealing with auto insurance companies for a claim doesn’t have to be difficult.

To anticipate making a claim easier, a lot of work can be addressed by always having preliminary tools in a car just in case.

This can provide a significant amount of information when an accident does occur, and knowing what to do after a car accident makes doing it almost a natural occurrence when needed.

Accident in Progress

Once the accident occurs, a driver should first make sure he and his passengers are okay. If not, call an ambulance immediately.

You should also always call the police after an accident, especially if you suspect you or your passengers were injured.

If fortunate enough to be okay, don’t assume there’s no injury at all. Some injuries won’t manifest for a day or so due to shock and adrenalin.

Never agree to sign anything at an accident. Instead, a driver should contact his insurance agent for a field visit if possible.

If not, then as much information as possible should be collected at the scene and reported to the agent while in contact with him by phone.

Post-Accident

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Combined with information and photographs taken at the accident, a policyholder can file a claim with his insurance provider if it was not already initiated by the phone call to the agent during the accident.

The process starts as a verbal one, with the agent doing most of the paperwork.

However, providing the notepad information and photographs can help tremendously.

The agent will still have to do his own legwork to confirm certain details, but the more information available the better case he can make to the other driver’s insurance company.

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Pushing the Paperwork

The thing that can get frustrating with car insurance companies is that they can work very slow.

Much of the work on a claim that does happen occurs behind the scenes which a policyholder does not see.

The client’s insurance provider communicates with the other parties’ insurers involved and works out a settlement after going through the accident details.

Clients essentially allow this process agreeing to their insurance policies ahead of time.

Sometimes the process goes quick but a not-so-stellar insurer will then sit on the claim before paying out to his policyholder.

The client needs to stay on top of his claim, getting updates from an insurance provider weekly.

When it seem the insurance provider is dragging its feet, it may be helpful to suggest that the next person a policyholder will talk to is an attorney.

The last thing a provider wants is another attorney involved in a claim, especially where it involves coverage already agreed to in a policy.

After the Fact

Once a claim has been handled, a driver should consider how easy or difficult the process was.

If it was a battle or the claim was denied and then ultimately approved after being challenged, a driver should seriously think about switching to another provider.

There are enough auto insurance companies available that no one should feel trapped into one company.

Internet comparison sites can provide valuable information on alternatives with the same coverage offering and what prices they would charge for comparable plans.

Use our FREE comparison tool to compare quotes from several auto insurance companies!

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