Filing Auto Insurance Claims
April 1st, 2010 | 
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The auto insurance policy that you have purchased is useful only if you are familiar with the auto insurance claims. Filing an auto insurance claim is essential to cover the financial loses caused by accident, theft, vandalism, etc. People who are completely familiar with the auto insurance claims can deal with such situations in a better way. Here are some points that are essential to be considered while filing an auto insurance claim:
Find out the level of damage or injuries and call the police: Determine the extent of damage done to your car and see if anyone needs medical attention. It is recommended to call the police directly even if it is a minor accident as you would need a police report while filing the auto insurance claim.
Get information of the other driver involved in the accident: It is very important to get license plate number, contact information, vehicle identification number, and auto insurance information of the other person involved in the accident. Also give the same information of yours to the other driver. You can obtain the information like vehicle identification number, insurers’ telephone numbers, etc. from your insurance identification card.
Look for witnesses and get their contact information: If there are any witnesses to the accident, try to obtain the names and phone numbers of those who are interested in telling what they saw. Your insurance company may ask for witness statements and they can prove to be very helpful to your auto insurance claim.
Inform your insurance agent about the accident: Inform your insurance agent about the accident as soon as possible. If possible, call your agent when you are with police as the police officer can provide more accurate information to your insurance company. This step can help you in saving additional time and hassles when you file your auto insurance claim later on.
File under another party’s insurance provider: If the accident did not happen because of your mistake, you can ask either your insurance company or other driver’s insurance company to recover the damage done to your car.
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How do I know if my auto insurance company is frauding my?My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
My main problem is not the rate increase. The insurance company received my payment on time. But, they did not POST it until a few days later. sometime in this period of a few days, the DMV audited the insurance companies system and decided this was a lapse I guess. I had to give the DMV 500.00 or lose my registration. This was 6 months ago. It took us 4 months to get the insurance agent to tell us what really happend (they are good at the runaround game). They said that they had sent the paperwork to the DMV and that we should be getting our check in 30 days as the insurance compay was at fault. This month my insurace is 100.00 more and I called the DMV and they recieved the paperwork, but not a follow up call they were supposed to get. Since I called them, I personally was able to give the OK to send the packet to the refund department. My insurance company says that the extra 100.00 is for "reinstatement of coverage", coverage I never lost in the first place.
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Tags: Auto, Auto Insurance Quotes, Houston, insurance, Insurance Quotes, Quiz, Texas, Trevco, video
…and if you DON'T withdraw the claim, be sure to NOT collect anything from the other person…..you can REALLY get into hot water by doing that!
Just call the claims department and NOT your agent in this instance!
Good luck and I hope this helps!
Your problem is not likely to be the trustee. However, a creditor might file a complaint to bar the dischargeability of a particular debt. I don't have enough details to be sure about this. However, such a claim, if it is to be filed, must be filed within 60 days of your creditors meeting unless that time is extended, on notice and hearing, for good cause shown.
in MASS you have 3 years to settle or sue for claims for vehicle damages and the same 3 yrs for injury claims.
The other party will also be entitled to a rental car while his is being fixed and could claim injuries.
Turn it into your insurance company and let them handle it. That's what insurance is for.
Tell your son that he will have to get a job and pay you how ever much your insurance goes up. It will provide an excellent learning opportunity for him. And – since he will have to pay for this and any future insurance increases he causes (accidents -tickets etc).- he'll probably be a little more careful when he drives.
First, Since the 4 x 4 was not involved, he is not at fault. You and Me are not the ones who determines fault. That is the task of police and/or insurance companies. Simply notify your insurance company and let them handle everything. Isn't that why you have insurance ?
If you can trace his name and address through the phone number then yes it would be
As a claims adjuster let me start off by telling you not to try to commit fraud like some have already suggested by changing your story to say the accident occurred last week or today to try and get coverage for it as more than likely you will have coverage for the loss if you had a valid policy a year ago when the loss actually occurred. Second do you know what type of collision coverage you had on your policy at the time of the loss (Broad-Form, Standard, or Limited) as that will make a difference on whether you will have to pay your deductible? In the case of your loss the only way you would not be responsible for your deductible would be if you had Broad-Form Collision Coverage. If you Standard or Limited then you will have to pay your deductible. Hope this helps you out. Also most states only have statute of limitations for third party claims which in the case of your situation does not appear that there is going to be a third party attempting to make any claims against you or your policy for this loss. You should be ok to go ahead and file a claim with the insurance company that you had at the time of the loss a year ago. They may ask you to take a recorded statement and investigate further into why you took so long to file the claim but just tell the truth to your insurance company and everything should end up fine for you. Also try to pinpoint the exact date when the loss occurred before making the claim.