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Gant Insurance Gant Insurance
  • Home
  • Personal
    • Auto
    • Homeowners
    • Umbrella
    • Motorcycle
    • Personal Quote
  • Business
    • Commercial Auto
    • General Liability
    • Commercial Property
    • Business Owners
  • Life
  • Health
  • Carriers & Claims
  • Become An Agent
  • About Us
  • Blog
  • Contact Us
    • Write A Review
Aug 08
calling insurer after car accident

Dos and Don’ts for Your Auto Insurance Claim

  • August 8, 2019
  • Archives, auto insurance, Blog, Personal Insurance

Tips for your car insurance claim.

If you are not familiar with the car insurance claims process, it’s easy to get overwhelmed.  However, filing a claim is actually pretty straightforward so long as you know what you should and shouldn’t do.  To help you out, here are some of the dos and don’ts of auto insurance claims.

  • DO: Take Pictures and Save Purchase Receipts

Having pictures of your car’s damage as well as the location where the accident took place will be a major help to your claim.  If you need to tow your car, rent a car, or make other purchases related to the claim, then make sure that you save these receipts as your insurance might cover these costs.  Presenting photo evidence along with purchase receipts will help speed up your claims process while simultaneously ensuring that you get all the coverage that you need.

  • DO: Call the Police

If you have been involved in a major car accident that resulted in injuries and major property damages, then you need to call the police immediately.  Even if you are involved in a smaller accident, you should still contact the authorities.  This is because having an official police report documenting the accident will help you file your insurance claim.

  • DON’T: Wait to Call Your Insurer

It’s important to call your insurer and file your claim as soon as possible.  This ensures that you can remember details accurately, so your claims adjuster gets the full picture.  Additionally, most auto insurance policies include a clause that requires car owners to report claims “promptly.”  Usually, this means reporting claims within 24-hours of the incident or risking loss of coverage.

  • DON’T: Place Blame or Admit Fault

When filing your claim, it’s important that you recount the details as accurately as possible without placing blame or accepting fault.  It is up to the police and your insurance company to determine who, if anyone, was at fault for the accident.  So, avoid letting your own opinion to bias your account of the details and let your insurance company conduct their own investigation.

These are some of the things that you should and shouldn’t do when filing an auto insurance claim.  Do you have more questions regarding your car coverage?  If so, then contact the experts at Gant Insurance Agency.  Our dedicated team is eager to assist you with all your auto insurance needs today.

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