Driving a vehicle can be risky, which is why the law requires auto insurance. After an accident or incident involving your car, it is important to file an insurance claim. Contact your insurance company immediately after an auto accident, a case of vandalism, if your car is damaged by weather or debris, and if it is stolen. Here are some things to know when filing insurance claims:
- Have the correct information ready. Make sure you know your policy number and when your policy expires. You will also need to provide your insurance company with names, addresses, and phone numbers of other parties involved and/or witnesses. Also, be sure to copy down license plate numbers.
- Take notes. When an innocent occurs the first thing you should do is call the police. The police will document the scene, but they should not be the only ones taking notes. Write down how many passengers were in the other car, what the weather and road conditions were like, the car’s speed, and any other details about the accident. This can greatly help the insurance company when you file your claim. Proper documentation is always key.
- File a claim immediately following the incident. Do not give in to the other party claiming they will pay out of pocket. Always file a claim right away. Your insurance company will guide you through the process and answer questions. They will let you know if you need to contact the other party’s insurer and whatever next steps need to be taken.
Auto insurance is mandatory by law for a reason. Do not hesitate to file a claim even if you are afraid your policy might increase. Insurance is there to help you fix your car and get you on the road again. If filing a claim seems daunting, give Sherrill Paint and Body Co. a call at (205) 322-5684 and we will take care of it for you.