How to make an Auto Insurance Claim

Nobody wants to make an auto insurance claim. After all, this means that something bad happened to your car. But remember one thing: if you have auto insurance coverage you should feel comfortable making a claim. This is why you pay for insurance month after month.

The first step in making a claim is contacting your agent or auto insurance company representative. Once you are in touch with the right person you can follow their guidance as you move through the process.

You will be asked to answer many questions. Along with this, if another party was involved in the accident you may be contacted by their auto insurance provider at some point. Make sure you take the advice of your agent when dealing with the other party’s insurance. In many cases, you will be prompted not to answer any questions until later in the process.

Of course, you want to get your car back on the road sooner rather than later. Work with your auto insurance company to find a body shop in your area that can work on your vehicle. Your agent should be able to provide you with a list of repair shops that they work with.

Will my insurance premium increase if I make a claim? Sometimes yes, sometimes no. If the accident is not your fault and the other party’s insurance pays for damages, you are in the clear. On the other hand, if your auto insurance company has to pay for anything you may see a premium increase in the future.

The act of making an auto insurance claim is as simple as calling your agent and following the appropriate steps. The sooner you file a claim the sooner your car can be repaired.