In an insurance policy, a claim is when you ask the company to compensate for the damages which you have sustained after an accident. This is the legal procedure you follow and ask the insurance company to reimburse you for the damages. You have paid a huge amount for the car insurance and if there is an accident, it makes sense to make a claim. Here are the five steps to file your insurance claim.
1. Report to the police
First and foremost, you need to have an officer write down the details of the accident in a police report. You might panic after an accident but it is best to allow the police to assess a situation so that in the future, if the third party turns difficult, you will have the police to ensure that you are safe. The police can also help in case of injuries or damage to the vehicle. A police report will help you with the claim.
2. Collect information about the accident
It is important for you to provide accurate information about the car in order to file the claim. Hence, you will have to collect information about the accident in order to provide it to the insurance company.
3. Inform the company immediately
You need to call the insurance company from the accident scene if you can and wait for the police. It will help you go through the consequent steps and they will assist you on how to go about it. If there is excess damage to the car and it is not drivable, you will know what to do with the car and the insurance company can arrange a towing service or a car rental if it is covered in your policy.
If you do not inform them, you will not know how they can help you and you could end up spending money you did not need to. The claim process will begin after you inform the insurance company. Recently, David Preszler from Preszler Law stated that when no other insurance coverage is available, injured persons can seek benefits from the Ontario Motor Vehicle Accident Claims Fund (MVACF).
4. A claim specialist will be assigned for your claim
After the claim is reported to the company, a claims professional will be assigned to work on the claim process. The adjuster will carry out a discussion with the third parties as well as their insurance company and any other people involved. They are responsible to look into the circumstances and work for you so as to get the claim settled at the earliest. You might get a chance to meet the claims adjuster or you can speak to them on the phone. He will review any potential personal injury claims and will handle any payments which need to be made in addition to approving the cost of repairs. You need to provide accurate information to the person assigned on your case so as to ensure that the claim is processed quickly. The professional will be happy to answer all your questions.
5. Getting the claim payment
This is the final stage of the claim process. Once the adjuster has completed the research, you will get an estimate of the cost of repairs of the vehicle and the claim pay out. Your adjuster will also work out the repairs that need to be carried out on the car and when you can get the car back once the repairs are done. Do not try to work something out on your own and do not accept anything until the insurance company approves.
The insurance company is supposed to protect you and they have to handle things in the right manner. Do not try to handle the situation otherwise it could get worse. You really do not know who you are getting involved with and you might have a problem bringing in the insurance company at a later stage. Contact the agent immediately and let them help you in the situation. If you think that the insurance company is not accepting your claims or there is substantial personal injury to you, it might become necessary to hire a lawyer for the claim. File the claim at the earliest and the insurance company will handle the process. If you are not happy with the claim amount, you need to hire a lawyer to represent you and to ensure that you get the maximum amount out of the claim.
Great information thanks for sharing
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