insurance claim

If you have ever tried to learn a foreign language, you understand just how difficult of a task it often proves to be. There are so many things to consider when it comes to speaking a non-native tongue perfectly; not only must you memorize words and popular phrases and recite them from memory, you must also ensure that the proper pronouns and tenses are always used.

Deciphering an insurance policy and understanding what all the options and terminology means can be just as intimidating as reading a French novel. Even if you do consider yourself fluent in what your auto insurance covers, you may find yourself at a loss for words when it comes to actually filing an insurance claim.

Car Accident

Here’s what you need to know about filing your auto insurance claim:

  1. Contact the Police – The police will take down the details of the case, will ensure your safety, and will guarantee emergency services is on hand to appropriately handle any injuries. Obtain the police report and report the incident to the DMV if necessary.
  2. Collect Information – Document the details of the accident and the information you receive from all the parties involved. This can include the standard contact information for everyone involved (name, address, phone number) as well as a license plate and description of the vehicles. Determine if they have insurances as well. Keep track of this information for when you file an auto insurance claim—the more details of the accident you can prove later on, the better. (It doesn’t hurt to take a few photos.)
  3. Call Your Insurance Company – Once the police have been contacted, call your insurance company from the scene of the accident. They will help you with next steps and will advise you on what information they need to file your claim. They can also help you with a towing service if you are unable to drive your vehicle.
  4. Talk to Your Claims Specialist – A claims specialist will be assigned to you once your claims file is opened. They will take over any discussions with any third parties and insurance companies, and will further investigate the circumstances of your accident.
  5. Get Your Vehicle Repaired – Once the claims specialist’s work is complete, you should have an estimate of the repair costs on your damaged vehicle. They will also inform you as to whether or not you will have to pay a deductible, and will tell you how the claim will play out.

Being in an accident can be stressful and disorienting. But if you follow the above steps, filing an insurance claim can be a straightforward process. Let the experts at Adams Collision Service provide an estimate for you and your insurance company and they can walk you through the repair process so nothing gets lost in translation. Call 847-961-5409 or email today to get your questions answered.