Auto Insurance Claims Process: What to Expect

​The need for an auto insurance policy continuously increases over time as even with the safety measures you prepared, accidents can still occur at any time. With the current pandemic state that the world continues to face today, take a look at what circumstances you will encounter and how you will handle those when you file a claim.

Ask Clarifications about Your Coverage
A critical beginning step to jumpstart your claim bid is to assess the terms included under your insurance coverage. It includes making sure of the amount of deductible you paid when you purchased the policy, the state of your transportation expense coverage, and asking your insurer how long it’ll take before they approve your claim request.

Provide the Necessary Details About the Accident
In case the demand arrives when you need to file an auto insurance claim due to an accident, one of the first things you should prepare is the information that your provider may require. Expect to be asked to submit specific information and documentation that narrates the incident. Knowing the needed details beforehand will help you have a smooth claims process and repair your vehicle immediately.

Here is the list of some of the potential helpful materials that your insurer would collect when you file your auto insurance claim:

• Names and contact of everyone involved in the incident.
• Photographs of the vehicle after the accident.
• Location, time, and weather conditions.
• Copy of the police accident report.

Ready your Car to Get Repaired
Another crucial aspect of things you should expect after the accident is dealing with the repair shop to choose the types of equipment that would fix your damaged vehicle.

Check if the policy you signed covers the replacement of car parts that are new or recycled, as some shops may base their repair process on your coverage. In terms of payment for the repair, your insurance provider will automatically kick in to pay it as soon as you inform them, or let you pay the expenses depending on the agreed coverage.

Seek for the Estimate Cost
Typically, your insurance provider will give you a copy of the initial estimate of your repair’s possible cost. However, some companies may let you do the estimation by consulting with the repair shop. In that case, expect the shop’s personnel to inspect the damaged part and submit the total estimate directly to your insurer.

Conclusion
When you get in a road accident with your vehicle, it’s safe to say that we all want a hassle-free process of filing an auto insurance claim. It’s understandable that you want to get back to driving down the road as soon as possible, so choosing the proper coverages included in your policy is an important aspect to determine early on.

At Klamath Insurance Center, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (541) 882-5555 or Click Here to request a free quote.