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A claim is when you ask the insurance company to compensate you for damages you have sustained after a car accident, or when you ask the insurance company to represent you or intervene on your behalf when you are liable for damages.


You pay a lot of money for your car insurance, so it makes sense that if you are involved in an accident, you will want to make a claim.


5 Steps to File Your Car Insurance Claim
Step 1: Contact the Police
It is always best to have another person take down the details of the accident or incident in the police report. You will probably be shaken up after a car accident and may not be in the best position to assess what's happened. In a worst case scenario, if the other party turns difficult, the police will be there to make sure you are safe. The police will also make sure ambulances or emergency service people are there to help handle injuries or dangerous damage like leaking fuel or oil. After the fact, you will have a police report, this will help you with your claim.


Contact the DMV to File Your Accident Report
Many states have laws regarding reporting accidents to the DMV or the police. Make sure you understand your legal responsibilities and follow what needs to be done. If you are not sure, ask your insurance agent, or contact your state insurance commissioner's office.

Step 2: Collect Information You Need About Your Car Accident
Having your car accident information list ready will help you keep track of the information you will need to file your auto insurance claim. It is important to document the details of the accident and be ready to provide them to the insurance company. More>>

Step 3: Call Your Insurance Company Right Away
Call your insurance company from the scene of the accident if you can while you wait for the police, or after you are safe. They will help walk you through the next steps and tell you what you need to send them.

If your car is not drivable they will let you know what to do with the car and if you have towing service, they can help arrange that as well as your rental car when you have that coverage on your policy. If you do not call them, you won't know how they can help and you may end up spending money that you do not need to.

source : www.thebalance.com

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