10 Steps to Claim Insurance for Hatchback Car After Accident

10 Steps to Claim Insurance for Hatchback Car After Accident

Do you know what to do after an accident? Yes, of course. You need to call the police and get a report for your insurance company. But did you know that there are other things that you should be doing as well? Read below and find out 10 steps on how to claim insurance for Hatchback car after accident!

1. Assess the damage.

After you have called the police and they have arrived at the scene, this is when you can assess how bad your car was affected in the accident.

Before turning it on, check if there are any cracks or dents on your car’s body panels such as hood or trunk lid. If so, call your insurance agent right away. Also take note of the damage done to your headlights, tail lights, and other marker lights as well as windshield if any.

2. Take pictures.

After you have assessed the amount of damage that was done to your car during the accident, it is now time for you to gather proofs that can help support your claim on your car’s accident.

Taking pictures is the best way to take proofs because it can show how your car was exactly before and after the event of the accident. This will also be helpful for you if you are planning on filing an insurance claim, especially if you are planning to file a claim with your own insurance rather than the other party’s insurer.

3. Make sure you have personal items.

In case your vehicle was to be towed from the accident scene, make sure that you bring all of your personal belongings with you so that they will not get lost during the time it takes for your car to go through the claims process.

4. Call your insurance company and report on the accident.

Once you have assessed the damage, taken pictures of the damages done to your car, and gathered all your personal items, call your insurance company for help.

The difference between reporting it straight to your insurer and filing claims through other means is that if filed directly with them, you will not get any fees aside from the deductible amount that you have to pay upfront.

5. Book a tow truck for your car.

If your car got damaged badly enough that it cannot be driven, get the help of a flatbed tow truck for assistance on how they can transport your wrecked vehicle so that it can be fixed or inspected by professionals at the insurance company’s garage.

6. Including witnesses in your claim.

If you were to get help from the police after getting involved in an accident, make sure that you ask them for their names and contact numbers so that you can include them when filing the claim with your insurer. This is done in case there will be a need of another witness on your side, especially if the other party denies that they were involved in the accident.

7. Evaluate damage done to your car.

You will need to provide the insurer with an estimate of how much it would cost to repair damages done on your vehicle during the accident. After this, you can now give them a reasonable time for them to make their own evaluation or estimate on how much it will cost to repair your car.

8. Get a rental car.

If you have a valid reason in getting a rental car, the insurer may provide one for free if they deem that you have a good case in having one. If not, you can always rent out another vehicle from services such as ‘Zipcar’ and ‘Hertz’.

9. Take care of your health first.

Before filing claims, make sure that you get yourself checked if you got injured during the accident so that your insurer will consider your injuries when processing your claim.

10. Keep all receipts and records in a safe place.

You will need to keep all records of your claim, including the time and date when you reported about the accident to your insurer, all photos taken to document what happened, as well as any other proofs that can show how badly your car was damaged.

What are the steps in filing a claim for an accident that involved me?

The first thing that you need to do is assess the damage done to your car. After this, gather all personal items and documents aside from taking pictures of your wrecked car. Next is the part when you will have to call your insurance company for help and report on the accident. You will need to give them an estimate on the cost of repairing the car, and you can now give them a reasonable time for their own evaluation or estimate on how much it will cost to repair your car. Upon their assessment, file evidence such as pictures and receipt of phone call reports with your insurer in case there will be a need of another witness on your side, especially if the other party denies that they were involved in the accident. You will also need to get yourself checked if you got injured during the accident so that your insurer will consider your injuries when processing your claim. Lastly, keep all records of your claim save for any proofs that can show how badly damaged your car was.

Why is it necessary for me to keep records of my claim?

Keeping records of your claim will help you if there will be a need of another witness on your side, especially if the other party denies that they were involved in the accident, or when filing an appeal about an estimated cost for your claim that you feel is not reasonable.

What should I do if the other party denies that they were involved in the accident?

If you think that it is necessary to have another witness on your side, then bring people who saw what happened during the accident or nearby at the scene of the accident with you when speaking to the insurance agent.
 

How can I prove that the other party was involved in the accident?

You can talk with police officers who responded to the scene of the accident and provide them with pictures of the damage done to your car, as well as witness testimonies of people who saw what happened during the accident or who were near the scene of the accident.

What are some reasons that I can get a rental car when filing an insurance claim?

 
The following are some valid reasons why you will be getting a free or discounted rental car when filing an insurance claim:
 
1) You reported the accident on time.
 
2) The damage done to your car is so extensive that it needs immediate replacement.
 
3) You have a strong case for compensation from the other party involved in the accident.
 
4) Your insurance company considers you a valuable policyholder or customer since you have paid your premiums on time.

What are the contents of an accident report form when filing a claim?

The following are the information you will have to put down in your report when filing a claim:
 
1) Your personal details
 
2) Details about the other party involved
 
3) The time, date, and location of the accident
 
4) Details on how the accident happened
 
5) A statement that you are not at fault for causing the accident
 
6) The damage done to your car
 
7) How much it would cost to fix damages done to your car
 
8) Witnesses on the accident
 
9) Police officers who responded to the scene of the accident.

To Wind Things Up

I hope you find this list helpful! If there are any other steps that you think should be added, please comment below and share your thoughts.

Scroll to Top