3 Things You Need to Know About Filing an Insurance Claim After an Auto Accident

Insurance Blog

Unfortunately, car accidents are incredibly common, and that is why it is important that everyone carry auto insurance. You never know when you are going to need to access your policy, so it is vital to always have good insurance with a good customer-service rep that you can contact at any time. Here are some things you need to know about your auto insurance and a car accident.

1. You Will Take Your Car to a Mechanic to Assess the Damage

Right after the accident you will need to take the car to a mechanic to see how much damage the accident really caused. If the car is not drivable, you should call a towing company. Make sure that you contact your insurance company first or ask the towing company whether they accept your coverage, since many times your insurance company will help to cover the cost of the towing.

Once the car has been taken to a mechanic, they will go through and do a thorough diagnostic of the car and give the report to the insurance provider. Your insurance company will then determine whether the car is worth saving and pay for the repairs or just give you a cash payout for the car and write off the car at a loss. In many cases the company will auction the car for parts or to companies that restore the cars, but this won't concern you. If the car is totaled, you will simply get the market price for the car.

2. You Will Need to Get Medical Exams for Everyone in the Car

Another aspect of auto insurance is that it covers the medical expenses associated with a car accident, especially if you caused the accident. This is why immediately following the accident and before you file the claim, you will need to get everyone a medical exam. Make sure this exam is thorough and that the doctor knows it is for a insurance claim. That way the doctor can request x-rays or any scans that might be needed to determine the long-term damage of the auto accident.

3. Once You Receive Payment for a Claim, It Is Final

Once you accept the payment offered by your insurance provider, you will have a final settlement. This is why you need to make sure that you have all of the information about the damage to the car and any physical injuries.

These are just a couple things you need to know about filing a claim after a car accident. Click here to find out more.

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