Your car is a major investment after your home. You must protect this investment by following the best practices in driving, following the traffic safety rules and being considerate of others on the road.  Be very observant while driving. The reason is that you could be set up for a staged accident.  Watch out for vehicles pulling quickly in front of you.  If someone appears to be tailing you or behaving suspiciously, get off at the next public establishment like a gas a station or police station or other safe spots. Carry an emergency accident kit or disposable camera in your car.

In addition, if you got into a car accident, be wary of people who show up suddenly and try to direct you about what to do—like doctors and attorneys. Also, avoid people who offer you quick cash to fix your car.  Avoid truck drivers who recommend specific repair shops without being asked. Demand details of all bills and receipts for any services which may have been rendered to you or your passengers. If repairs are to be done get OEM parts replaced.  Be wary of physicians who insist you file a personal injury claim after an accident even if you were not hurt. And never sign a blank insurance claim form. So, lets us see how to file a claim.

Filing auto insurance claims can be costly and make a big dent in your pocket book. But in the event you have to file a claim on your insurance policy, here are the steps to follow:

  1. You must decide if you should file a claim. Any time you call your insurance company to file a claim they record it in your file.  It is very helpful to keep a clean file of accident claims. Whether the accident is your fault or not you should decide of you can pay for the damage yourself and avoid filing a claim. According to insurance professionals, if you can pay for the damage without financial hardships, do not file a claim.  It could hurt your rates in the future.
  2. Complete the Auto Accident Worksheet. Document every detail of the accident including information about witnesses who can support you in your claim when asked to do so by the insurance company.
  3. File the claim as soon as possible. Even if it is not your fault your insurance company will take over and take all the necessary steps to protect your interests.
  4. Document any and all conversations with your insurance agent and the other persons agents, should they call you for additional information.

Once your claim is approved, your insurance adjuster will call you to assess the damage.  The adjuster will ask you to take your car to a pre-approved shop to get it repaired.

Tips like these can save you lots of frustrations and anxiety when filing an auto insurance claim.