YOU ASK:

How do I make a vehicle insurance claim?

WE ANSWER:

Imagine the following situation. You have got a Personal Auto policy and you have been paying your insurance premiums for years. One evening while you are driving home from work, a negligent young driver hits you and causes some damage to the back of your car. As a result, you get serious back injuries and have to spend a month in hospital.

Where do you go from here? You have never been in this situation before and don't know if your policy will cover all the expense you have incurred. One way to learn this is by filing a claim.

Tips for Filing a Vehicle Insurance Claim

First of all, you should really make up your mind about whether you need to make a claim. If you have been involved in a serious accident and have suffered serious injuries and damages to your vehicle, you should go ahead and do so. However, keep in mind that every vehicle insurance claim is likely to boost your premiums for a few years ahead. The simple rule is: don't file, if you can pay for the damages yourself.

In the hypothetical situation mentioned above, you will be better off filing a vehicle claim, since you have sustained serious injuries and damages to your automobile, and are going to lose a month's wages while recovering from your injuries. This is why, you should hurry to file your claim with your insurer, explaining all circumstances around the accident in great detail, providing names of witnesses, if possible, to confirm your version of the accident.

The company typically sends over an insurance claim adjuster to investigate and price your claim. Note that you might also be contacted by the other motorist's insurer who might want to clarify your version of the incident. Make sure you are adequately indemnified for your bodily injuries, the physical damage to your vehicle and the lost income. To receive all the necessary compensation, you must have the specific coverages included in your policy.

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