Steps on How to File Car Insurance Claims
After you compare car insurance policies and you just purchased your car insurance, not only should you know what is included in your car insurance policy, but you should also have a basic knowledge of how to file a claim. A measure of a car insurance company’s reliability is its ability to process your claims. As a rule of thumb, the company offering the cheapest car insurance premium may or may not have the best reputation when it comes to accident claims. Before anything else, you want to compare car insurance online.
Once you have an idea about the reputation of the company, it is a necessity that you find out the steps involved when you file a car insurance claim. If you have no idea how to do this process, here are steps that you should follow.
Photograph the incident
Once you get involved in an accident, the first thing that you need to do is to get all the necessary documents right after an accident. First, you want to take a photo of the accident. You want to take a full view of the accident, as well as a close-up view. Since phones these days are equipped with cameras, this is something that could come in handy.
Get the names of people involved
Who are the ones involved in the incident? Are you the one who was driving the car? Who was the driver involved on the other vehicle? You want to check their driver’s license to get all the details. You also want to remember the plate of the car. In fact, it is better if you could take a photograph of the car and the plate number.
Get as many details as you can
When did the incident happen? Where did it happen? This way, it is easier for the insurance company to verify the nature of the accident how it happened.
Get the help of the police
You will need to have a traffic accident report. Regardless if you are simply going to make a claim, or if you are filing charges for reckless imprudence against the other driver, you want to have an accurate traffic accident report. This will give an idea to your insurance company what occurred.
An accurate estimate of the damage
You want to check with a repair shop about the cost of repairs on your vehicle. This way, it is possible that the insurance company will cover the cost of repairs. For estimates, you may want to call your insurance company first. You want to get an estimate from an accredited repair company.
Pass all the documents
There are many documents that you need to include if you are going to make your claim. First, you need to have a copy of your policy. It is crucial to read the stipulation on your policy. Next, you need to have a copy of the police report affidavit. Also, you will need to provide your car’s registration, official receipt not to mention your driver’s license.
Right after guaranteeing the safety of yourself and your passengers, it is imperative to be conscious about the details of the accident. For someone who is about to purchase car insurance, it is important to learn a thing or two about the reputation of the company you are dealing with. Not every affordable car insurance policy in the market could provide you with a stress-free claim. For the best insurance companies in the Philippines, iChoose.ph can offer you a great number of options.
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