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How do I file a physical damage claim?
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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 division.
Unfortunately, you'll need to consult your policy, go online, call your agent, or contact your insurer directly to learn the exact steps to follow in your situation.
Of course, to file a property or physical damage claim, you'll need to have comprehensive coverage and/or collision coverage. Collision is for an auto accident with other objects, like other vehicles, trees, or poles. Comprehensive is used for thefts, weather-related damage, natural occurrences, vandalism, or falling objects (like tree limbs or rocks).
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 division.
Unfortunately, you'll need to consult your policy, go online, call your agent, or contact your insurer directly to learn the exact steps to follow in your situation.
General Auto Claim Insurance Guidelines
Still, though, you'll likely need to provide the following information:- Date, time, and location of the car accident or event.
- Your insurance ID number or policy number.
- Summary of how the damage occurred.
- Name, address, phone number, license plate number, and insurance information of the other party (if applicable).
- Police report number (if applicable).
Other Insurance Claim Info
Don't be intimated by the insurance claims process, or feel afraid to ask questions. You pay good money for your insurance exactly for these types of events. Your insurance company should be helpful and walk you through the claims process. If it doesn't, remember that at renewal time and look for another insurance provider.Of course, to file a property or physical damage claim, you'll need to have comprehensive coverage and/or collision coverage. Collision is for an auto accident with other objects, like other vehicles, trees, or poles. Comprehensive is used for thefts, weather-related damage, natural occurrences, vandalism, or falling objects (like tree limbs or rocks).
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