Filing a Car Insurance Claim Electronically
Most major car insurance companies offer online claim filing. Make sure to (1) collect evidence, (2) study your policy, and (3) pay your deductible.
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UPDATED: Apr 24, 2020
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- The ability to file claims is one of the main reasons people carry auto insurance.
- Most auto insurance claims are for accidents
- When filing a claim be prepared to include any supporting documentation and police reports.
- Make sure you are prepared to pay your deductible when you file a claim.
- Filing electronically is the fastest way you can file a claim.
When searching for a car insurance company, an important feature to look for is the ability to file a fast and convenient electronic car insurance claim.
Most companies have this feature available but some companies make it easier to access with quick response times, while other companies make it more difficult to file electronically. Read on to learn specifics about claims and how to file auto insurance claims electronically.
Be sure to also enter your ZIP code above to compare free auto insurance quotes from many companies with electronic claims filing!
What is a Claim and How Do Claims Work?
The first step in understanding how to file an electronic car insurance claim is to understand what a claim is. Basically, a claim is when you file a request for money with your insurance company after you have had damage to your vehicle.
Besides liability insurance being required, claims are the main reason that you have car insurance. The money you are paying each month to your insurance company is so that if you need to file a claim for damages, you will have the money needed to fix or replace your vehicle.
Each car insurance policy is different so you need to pay special attention to your policy agreement, car insurance company’s procedures, and the time frame for filing your claim.
When you get an insurance policy, you will choose a deductible. This is the amount of money you pay before your insurance company pays. The higher your deductible, the lower your monthly payments will be.
When choosing a deductible, it is important to choose one that you can afford.
Before your insurance company will even look at your claim, they will require that you pay your deductible. If you do not do this in a timely manner, your claim will not be honored and you will lose any payment from the insurance company.
Deductibles and claims go hand in hand. It is a wise idea to set aside your deductible in a savings account or by some other means so that when you need it, it is there.
Once you pay your deductible, you will file your claim. The information needed will vary from company to company, but some information is standard.
You will need to provide your personal information including:
- your account number
- the date and time of the accident or damage
- the details of the accident or damage
- police findings
Police findings may include who was at fault, in the case of an accident, and this may affect how much your insurance company covers.
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After a Claim is Filed
Once your claim is filed and your deductible is paid, your insurance company will look over the details of your claim and make a decision regarding the amount they will pay you.
This amount will depend on whether or not your vehicle can be repaired or if your vehicle is a total loss and must be replaced. The insurance company may send out a claims adjuster to look at your vehicle or suggest that you go to one of their contracted mechanics.
After all of this has been accessed, the insurance company will tell you an amount that they will pay you.
You have every right to dispute the amount. Based on your own research or knowledge of your vehicle and the damages sustained, you can re-file your claim with additional documentation or information for the insurance company’s approval.
If they continue to deny your claim or do not pay you the amount you think you deserve, you can take your insurance company to court. Much of this is based on the documentation you are able to supply to verify why you think you deserve more money.
How to File an Electronic Car Insurance Claim
Most insurance companies provide four ways to file a claim. You can call in your claim over the phone, you can go to a local office and file your claim, you can mail in your claim, or you can file an electronic claim.
Filing electronically is by far the fastest and most convenient way to file a claim for both you and the insurance company.
To do this, simply go to your insurance company website, click on the “file a claim” link, and fill out the online form provided. At the end, you will click submit and the insurance company will take it from there.
To ensure that you are working with a company that has fast claim service and the option to file electronically, you should compare different companies before deciding on the company that is best for you.
You can compare companies by using our online comparison tool that allows you to see different companies and what they offer side by side so you can choose the company that has the right claim service options.
It’s FREE and easy and you can start now by entering your ZIP code at the bottom of the page.