What are the steps to claim insurance for a family car after an accident? What if you have not yet filed your insurance claim or received any type of settlement? You may be wondering what options you have. If you’ve been in an auto collision that was not your fault, then there is hope. It can be difficult to figure out where to start when it comes to filing an insurance claim for a family car after an accident, but this article will give you 7 Steps To Claim Insurance For Family Car After An Accident.
1. Document Any Damage to Your Vehicle
This means taking photos of your car before you get it repaired. Make sure that you get photos of any dents, broken or cracked glass, scratch marks on the paint job, etc. This will help later if there is a dispute about how much work should be done to repair your vehicle. Keep in mind that the insurance company will try and pay you as little as possible for repairing your car.
2. Get an Estimate from Your Insurance Company
This means calling your insurance company and speaking with a representative that is aware of all the details of your collision and who will know what kind of work needs to be done in order to make sure that you get the most for your money. Most insurance companies are aware of various shops in your area that do excellent work at reasonable prices.
3. Take Your Car to a Shop That the Insurance Company Recommends
Make sure you take it easy during this time, especially if you have suffered any injuries from the accident or collision. You should also call your doctor and let them know that you were in a car accident, just to be on the safe side.
4. Wait for Your Insurance Company to Process Your Claim and Send You a Check
Your auto insurance company will probably tell you how long your claim should take to process. Be wary of anyone who tries to rush this along and demands money up front. Remember, you are the one who will suffer if your car is not properly repaired.
5. Take Your Car to the Shop that You Chose
You should be sure to take your car to a shop that you know can do quality work, or else it will only prolong the time until you get your check from the insurance company. Besides, you do not want to go through all of this trouble to get your car repaired only to have the work done poorly.
6. Get Your Car Repaired
Make sure that any repairs are completed before you sign anything or pay for any of it. If you find quality repair services, then they will be happy to give you an estimate without an appointment.
7. Get Your Check From the Insurance Company
After all of this is done, then you will finally get your insurance check for your car repairs. The entire process should not take more than two months (if you are lucky) to complete. Remember that insurance companies are in business to make money and they do this by giving people as little money as possible.
What happens if I go outside of the insurance company’s network?
Some insurance companies will not pay for services that were gotten from a shop outside of their network. If you have an accident forgiveness policy, then you can probably use a service that is out of your network. However, it is best to call them ahead of time just to be sure.
To Bring Things Together
Do you have any other tips on how to claim insurance for a family car after an accident? Please feel free to share your experiences in the comments section below.