Auto Insurance Claims Answers

• How do I file glass or windshield claims?

  Well, auto insurance carriers handle the process to file this kind of auto claim differently. But, here are some general things to keep in mind. Filing Tips for Auto Glass Repairs Contact your insurance agent or the insurance claim department of your insurance company immediately. Whenever poss ...

• How do I file a physical damage claim?

  Car insurance companies have different approaches when it comes to filing claims. Some ask you to begin the process online. Others request that you call your auto insurance agent, if the accident happens during business hours. And, others want you to call their customer service or claims divisio ...

• Will an auto accident that isn't my fault affect my car insurance rate?

  If you have been involved in an auto accident that was not your fault, your car insurance rate is not likely to increase. However, making a certain number of accident claims, to include several small claims, could result in a higher premium over time. Small Auto Claims Regardless of who is a fau ...

• Do I have any control over auto repairs covered by car insurance?

  One of the first items that your car insurance company will discuss with you after you file an accident claim is the cost of auto repairs. Your auto insurance company likely has a list of repair shops that it works with. However, you are not required to take your vehicle to these repair shops. A ...

• Does the number of auto claims I have filed in the past affect my car insurance rate?

  Your auto insurance company keeps a record of the number of accident claims you submit. Auto claims become a part of your car insurance record whether or not you are found to be at fault in the auto accident. Insurance Company Rate Changes Some states allow car insurance companies to assess your ...

• What if I still want my car fixed after an auto insurance company declares it a total loss?

  Generally, damage done to your auto must exceed its actual cash value before your car insurance company declares it to be a total loss. State Division of Motor Vehicle (DMV) offices allow auto insurance companies to permit you to keep your salvage vehicle after it is involved in a car accident. ...

• What if my car insurance provider totals my car for less than I think it is worth?

  Your car insurance company claims adjuster might have years of experience determining the value of a vehicle that is involved in a car accident. Notwithstanding, your auto insurance claims adjuster can still inaccurately access the actual cash value of your car following an auto accident. Auto C ...

• What are my options if I receive an unacceptable settlement following a car accident?

  Your car insurance company might handle hundreds of car accident and personal injury settlements each week. The volume equips representatives at your auto insurance company with valuable experience at reviewing accident claim details. However, when it comes to the final insurance settlement term ...

• How long does it take to process an auto insurance claim?

  Each accident claim is different, making it difficult to estimate an exact processing time. You can, however, get a general idea on how long the processing will take based on whether it’s a simple or difficult auto claim. Simple Insurance Claims Any auto accident in which there is no doubt ...

• How do I handle insurance claim disputes?

  If you disagree with the amount of money your insurance company wants to pay on an accident claim, you do have several options that you can pursue. Option 1: Get an Independent Appraisal to Settle Insurance Claim Bring in an independent appraiser without any previous ties to you or your car insu ...

• After an auto accident can I take my car to the auto repair shop of my choice?

  A car insurance company may recommend or suggest where to have your vehicle repaired following a car accident, but it possesses no authority to mandate a specific car repair shop. However, many insurance companies now employ a service called Direct Repair Program (DRP) with the intent of streaml ...

• How do I file an accident report with the police and the DMV?

  The extent of your auto accident will determine whether or not filing a car accident report with the police is required. Usually a fender-bender resulting in minor car damage will not necessitate a police report; but whenever injury or death is involved, a police report becomes mandatory. You ma ...

• Can I access a police report or accident report filed by another driver?

  Accessing an accident report, or what some call a police report, filed by another driver with the DMV depends on your state. Access a Car Accident Report You'll need to contact your local DMV on whether or not you can obtain a car accident report filed by another driver. Each DMV varies on this ...

• Will an auto insurance claim affect my car insurance premium?

  There are two accident claim factors that may cause your car insurance rates to jump: previous claims and your insurance company. Auto Insurance Claim Frequency If you boast a spotless driving record with not even one auto accident, chances are slim that a single insurance claim will cause a spi ...

• How do I file a bodily injury claim?

  Contact your auto insurance company and open an auto claim if you are involved in a car accident. Provide the following information to your insurance company when you file your bodily injury claim: Date and time of the auto accident. Whether or not a police report was filed. Names of the person ...

• How To Work With A Liability Adjuster

  After you contact your car insurance company to report an auto accident, the auto insurance company will open a claim for you. They will also assign your case to a claims adjuster. About Working With A Liability Adjuster The insurance claims or liability adjuster will contact you to schedule a d ...

• How should I prepare for a liability investigation?

  Your car insurance company will assign your auto accident claim to an insurance claims adjuster after you report the accident. The adjuster will work with you to determine the amount of damages made to you and your vehicle during the car accident, as well as regarding third-party liability damag ...

• What should I do if I am involved in a car crash?

  Pick up the telephone and call the police if you are involved in a car accident. If there are serious injuries also call for medical assistance. After the police arrive, contact your auto insurance company. Your car insurance agent will work with you to complete the accident claim. Tips for Resp ...

• What should I expect when I file an auto claim?

  Contact your insurance agency immediately after you are involved in an auto accident. Upon receipt of your auto claim your insurance company will confirm that your policy is indeed active. Then they will assign your case to an insurance claims adjuster. Working With Insurance Claims Adjusters In ...

• How do I check on a car insurance claim?

  To receive an updated status of your insurance claim after an auto accident, call your auto insurance representative. If you don't have a specific representative, visit your car insurance company's website for a contact number in your area and/or state. Depending on your car auto insurance compa ...