The answer to this question depends on your insurance company and agent. If you are involved in an accident it is always best for you to notify and contact your insurance agent as quickly as possible. This will help speed up the car insurance claim process and get any repairs handled in a timely manner.
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Mostly likely it will be weeks before your insurance agent will contact you or find out about an accident if you do not report it to them first. It is always best for you to take the incentive to contact your insurance agent as soon as possible. In fact, they will not even know about many accidents.
Why is it important to get in touch with my car insurance company promptly?
Getting in touch with your provider will allow you to get the car insurance claim filed and handled quickly. There are times when your ability to access those funds are essential to paying the medical bills resulting from an accident. Rather than waiting for the company to contact you, take the initiative and call them immediately.
Normally when an insurance agent or claims representatives contacts you they are looking for details regarding the accident.
They then process this information to determine who is at fault, what will and will not be covered, who will pay for the repairs of the damage, and lastly the amount that will be paid out.
How does the insurance claims process typically work?
There are well over 200 million drivers in the United States. This amount makes it statistically more likely that most drivers will, at one point or another, be involved in some type of car accident.
Luckily, the majority of car accidents in the United States are minor and do not usually involve severe injury. Unfortunately, even some of the most minor car accidents can result in expensive car damage.
The common claims process is fairly simple. When the policyholder is in an accident, they call their insurance company and file a claim. The insurance company then sends out a claims adjuster to look at the damage and estimate how much it would cost to repair.
After the claims adjuster files their report, the car insurance company issues a check for that amount to the policyholder for the repairs to the car.
The main thing that the claims adjuster and insurance provider are looking for in a claim is proof of damage and/or injury. There are five main elements that the adjuster looks for when establishing proof of damage and/or injury.
These five elements are: what the policyholder tells their insurance provider, what the other party involved tells the insurance provider, the official accident police report, the witness statements, and the actual physical damage to the policyholder’s car or to the policyholder themselves.
What are the basic steps to filing a car insurance claim?
The first step after any car accident, no matter how minor, is to call the police. The driver should only call 911 if there is a significant medical need. For minor accidents with no injuries, the policyholder should call the police directly.
Calling the police is necessary because, in most cases, a car insurance provider will not process a claim without a police report.
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The second step is for the policyholder to exchange information with the other driver involved in the accident. The information that is the most important to get are the numbers of the other driver’s license plate, the other driver’s car insurance information, and the other driver’s contact information–especially any phone numbers.
After getting the other driver’s information, the policyholder should then get the information of any witnesses that saw the accident. A third-party witness is very important if the other driver is at fault for the accident, but decides to blame the policyholder instead.
Most witnesses will linger at the accident site and give their statements to the police. However, if it looks like some people might be leaving before the police arrive to question everyone, the policyholder should try and talk to them and get their phone numbers for the police.
It is very important for the policyholder to call their car insurance provider as soon as possible. Most large insurance companies have a 24-hour claims service, so most policyholders can call their insurance company directly from the accident site.
The number for the claims service is typically located on the policyholder’s insurance identification card.
Will my insurance company call me after an accident if I am not at fault?
Many people believe that they do not have to file a claim with their insurance carrier if they are not at fault for the accident, but this is not true. The policyholder should always keep their insurance provider aware of the situation.
The person the policyholder talks to when they call the claims service will direct the policyholder on the next steps they should take, and will follow up with the policyholder as necessary.
Often it can be tricky to get an insurance company to pay for damages of your vehicle if you are not their insured. It is always nice to have someone on your side, and your insurance company can become a great ally.
However, if you do not inform them that there was an accident it can take a while before the insurance company becomes aware of it.
Will my insurance company call me after an accident if no other vehicles were involved?
If you were the only driver involved, there is no one else to inform your company of the accident. Since you won’t exchange insurance information with another driver, only a police officer on the scene would be the one to run your insurance information.
Chances are it could be days, weeks or even a month before an insurance agent or company finds out about the accident. If you do not contact them you cannot be upset if they do not call you after an accident. An agent can only help you with situations and problems that they are aware of.
What questions will my car insurance company ask me after an accident?
After reporting the accident your insurance agent may contact you to get the details surrounding the accident. This helps them determine many different things such as who was at fault, what is covered, what kinds of repairs are needed and who will be paying for those repairs.
They will also work to determining if they need to payout for the vehicle or if it can be repaired.
Also if you leave a message for your insurance agent or have questions regarding your car insurance claim it is the responsibility of the insurance company to call you back. If it has been a few days and you still have not heard from them you may want to try to contact them again.
No matter how inexpensive your insurance rates are if you are unable to reach your insurance agent or company when a claim needs to be filed then it is best for you to find another company.
Your auto insurance policy may not matter much right now, but when you need it you want an insurance company that has agents and representatives that will contact you and solve problems quickly.
It is your responsibility to contact your insurance company after an accident. However, it is the insurance company’s responsibility to answer questions regarding claims as quickly and effectively as possible. That way you can get your vehicle repaired and back on the road as soon as possible. Compare online car insurance quotes with your zip code and the free rates tool now!
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