Biz Wisdom

Feel free to visit www.goodsamesp.com to learn more about mechanical breakdown insurance of RV’s. Below are the steps in filing car insurance claim:

First and foremost when caught in a car accident, the first thing to do is call police hot line to report the accident. Then, wait for a traffic officer to investigate. However, if the accident is serious, which involves physical injury, call for an ambulance. Verbal admissions and assurance are not enough. Make sure to get the police report as proof.

After which you should call your insurance company. Insurers usually issue a sticker or card that you can place in the car. Or have their number save in your cell phone it is easier that way. A representative will help you filling the claims.

Next is that you should exchange contact information such as name, number and address with the other driver. Don’t forget to get the details of the car such as the model and plate number as well as the insurance policy like the name and number. As much as possible, identify witnesses and ask for their names and phone number in case their account is needed especially for major accidents.

Last is to prepare all the necessary documents such as police report or the insurers accident report form, policy report or notarized affidavit, photocopy of cars official receipt and registration certificate, photocopy of driver’s license and official receipt and photos of the damage portion of the car with visible license plate. Submit these documents to the insurer where a claims officer will evaluate the claim.

Of course, when everything is settled then you can have your car fixed. Bring your car to the insurer’s claims evaluation center to assess the repair cost. Some insurance companies will have the vehicle towed to any of their accredited car repair shops that will assist the documents and repair of the car. Often, insurers simply reimburse the car shop instead of issuing a check.