The process of filing an auto insurance claim can be a bit complicated if you don’t know what you’re doing or have never done it before. On the other hand, if you’ve filed a claim before you know it, it should be a painless procedure. Filing a claim involves communicating a few things to your insurance company and letting them take it from there.
If you have an accident, you probably want to file a claim with your insurance. The first thing to do if you need to file a claim is to call your insurance company. Once you get them on the phone, they’ll ask you a few questions. One of the questions they will ask is: whose fault is it? The insurance company will work with the insurance company of the driver of the other vehicle to determine who is at fault. Once this is established, the process will go a lot faster. If you have a good insurance agent and insurance company, they will handle the auto insurance claim.
If you do file a claim, your insurance premium will go up. This is because the insurance company will consider you to be a higher risk than you were before your accident. The higher the risk you run, the higher the premium you pay. In some cases, people pay the cost of an accident out of pocket to keep their premiums low. Additionally, if you become too much of a risk and have too many claims, the insurance company will drop your coverage altogether. In other words, they won’t do business with you anymore.
Claiming car insurance is a fairly simple process if you have a good company and a good agent. Knowing how to file a claim and what it will do to your premium can save you money on insurance in the long run.
Recommended
- What is the role of an accident lawyer? If you were wrongfully injured in an accident, you can expect to file a claim for compensation, either with your own insurance company or the negligent party's insurance company. You may even need to file a claim with a third party if more than one person was involved in or…
- Tactics used by disability insurance companies against… To protect their businesses and their shareholders, disability insurance companies have made it difficult for the average person to file a claim and obtain the benefits they signed up for. When a person successfully claims benefits on disability insurance, it is lengthy and very expensive for the companies.Due to the…
- Retail tax franchises or online tax software? For tax filing and filing, there are now so many options to choose from that sometimes you just don't know where to start. At one time, H&R Block and the other retail franchises dominated the tax preparation market. But with the widespread acceptance of the internet and online tax software,…
- DME claims rejected due to NPI issue Many providers experience strange denials on their Medicare DME claims, and when they call to check on them, they're told to call the EDI department -- even if they don't file the claims electronically. It seems strange, but it is actually correct.The problem starts there. The Medicare DME customer service…
- Los Angeles personal injury attorneys can help injured… Auto insurance is a legal requirement for drivers in California. Car owners pay a premium to get some financial protection in the event of an accident. However, there are cases where insurance companies refuse to honor legitimate claims. In such cases, personal injury attorneys in Los Angeles can help individuals…
- Vacant Land Insurance Claims That Indicate You Need Coverage Of course the vacant owner needs insurance! The insurance companies will tell you emphatically about all liability risks - general, physical and material damage that exists in a vacant home, building or lot. But don't take a blanket statement about it until you see some very real claims examples for…
- 5 additional coverages that boost your auto insurance… People usually don't like to spend a lot of time buying car insurance. They think there are only two options on the market and that is the civil liability which is mandatory under the Motor Vehicle Act and the second is the Comprehensive Insurance. But the reality is that there…
- Major Insurance Companies and the McKinsey Report CNN host Anderson Cooper recently created a two-part series on the business practices of the nation's largest property/accident insurance company and Allstate Insurance. It was the culmination of an 18-month CNN investigation into minor soft-tissue injuries across the country. The series was then broadcast on CNN. The video links to…
- Types of insurance fraud Insurance fraud is when deception is involved in the insurance process. It could be a case when someone makes a false claim to an insurance company. The insurer may also refuse to pay the claimant. Statistics have shown that insurance fraud is on the rise worldwide.The motive behind insurance fraud…
- The Role of an Insurance Fraud Investigator Dallas When we think of insurance fraud, we should include activities such as filing a false claim that is more than the original damage, false dates on an insurance claim, mixing lies with the truth based on how the accident really happened, etc. A person committing this fraud would think that…
- Compare Women's Car Insurance - Why Is It Cheaper Than… In a direct comparison of similar drivers, the fairer sex can expect anything up to £300 less on their car insurance, which is almost incomparable. Women's auto insurance benefits from specialist insurers that only deal with female drivers. However, the niche market is growing as insurers base their rates on…
- Billing medical claims electronically - Do you read your… We've finally reached the stage where most offices bill at least some of their medical claims electronically. But the main question is: do they read their electronic reports?Simply submitting the declarations electronically is not sufficient. If you don't read the electronic reports, you lose money. It is critical to your…
- Understanding the necessity of purchasing your own insurance… Understand insurance claims An insurance plan can relieve us of our worries. Be it an educational plan, health insurance, life insurance, car insurance, accident insurance or retirement insurance. Living in a country where everything moves fast, having an insurance policy is a necessity. Lack of these much needed plans can…
- Car Insurance Ultimate Guide: For the First Timer Gen-Z From the matter of cars to the required car insurance, this is probably a very new thing for Gen-Z. Sure enough, they need time to understand more about this offer, and many other details need to be learned to be safe. We will admit that the insurance business is not…
- NPI Number - How to notify insurance companies and Medicare… NPI number or National Provider Identifier number is a ten-digit number assigned to members of the medical profession who submit medical insurance claims for payment. Once you obtain your NPI number, here's how to notify insurance companies and Medicare of your NPI.Providers have filed claims against HCFA 1500s and UB92s…
- Filing a motorcycle accident claim If you are claiming your motorcycle accident in court, you will need a suitable, qualified lawyer. The best way to quickly start and complete your motorcycle accident claim with the best outcome for you is to use the services of a specialist lawyer.Your lawyer will not only assist you in…
- Insurance Claims for Florida Homeowners and Condominium… There are thousands of homeowner associations (HOAs) and condominium associations throughout Florida. The size and responsibilities of these groups can vary from community to community, but most of them have some kind of insurance policy to protect their assets.Due to some extreme weather events, such as hurricanes or flooding in…
- When can you apply for claims for Village Motor Insurance? You go for auto insurance hoping you have something to run to when you need it. However, you do not want to use your insurance as much as possible if it causes an accident and major damage for you. Again, you go for it to be sure. If you invest…
- A lawyer's experiences show why ObamaCare makes economic… If an injured person in the trenches of the US health care system needs immediate medical treatment, they will get it. It's the American way of helping the wounded. When was the last time we saw a hospital reject a bleeding patient, or a person in the emergency room with…
- How is motorcycle accident insurance different from… When buying motorcycle insurance in Pennsylvania, there are different things to consider than when buying regular car insurance. The big difference is that for auto insurance, Pennsylvania law requires a minimum of $5,000 in medical coverage, also known as "no-fault" or PIP coverage.However, with motorcycle insurance, Pennsylvania law does not…