HOW TO WORK WITH THE INSURANCE COMPANY AFTER A CRASH

May 10th, 2019 by

Being in a car accident is stressful.

Even if you don’t have any injuries, it’s certainly scary.

Assuming everyone’s okay and your biggest issue is the damage to your vehicle, it’s hard to think straight about what you need to do.

Here’s some help should you ever find yourself in this unfortunate situation.

Get your vehicle into the shop

Of course, if your car is too beat-up to drive and gets towed, your first call will be to the insurance company.

You’ll need to let the towing facility know which auto body shop to deliver your car to.

Most insurance companies have certain shops that they work with on a regular basis, so they’ may even suggest where you should take your vehicle to (or have it taken to).

If it IS your fault

If you were at fault and you have collision coverage, call the number on the back of your insurance card.

You should have your card ready so you can provide your policy number and your vehicle’s VIN.

Be prepared to answer a LOT of questions, including:

The date.
Location of the accident.
The people involved.
What, if anything, was done to avoid the accident.
At the conclusion of the call, you’ll be given a claim number that you need to keep handy because you’ll use it a lot throughout the process.

If it’s NOT your fault

In this situation, you have two choices:

Make a claim through your own insurance company by following the steps listed above.
Wait until you receive the police report and then call a claim into the person at fault’s insurance carrier.
Filing the claim and beyond

Whether you’re filing a claim through your insurance company or the other party’s, you’ll have to wait until you have the police report to actually file.

Either way, your insurance agent should be able to help you through the process.

After the auto body shop makes their determination about the vehicle’s damage, the insurance company will decide whether to “total” your car or not.

If they consider your vehicle a total loss, you’ll receive a settlement that will cover the amount your car was worth.

Otherwise, the insurance company will pay for repairs, minus your deductible.

Pay a visit to Serra Chevy

If you’ve had an accident and you’re looking for a vehicle to replace the one you’ve lost, stop by Serra Chevy and talk to our knowledgeable and friendly sales staff.

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