Filing a claim can be a daunting experience. Though this is the reason we have insurance, the process may be unfamiliar to you. Luckily, we are here to help!
Whether an accident on the road or damage in your home, you’ll want to record details as thoroughly as possible, as they may become important later. If another vehicle is involved, exchange insurance information and file an official accident report with the police. In any event, be sure to take pictures and do your own documentation. This will help you remember the accident and all damage on either vehicle involved.
Report the loss to your insurance company as soon as possible so they can begin their investigation. You can normally file a claim by calling your company’s claims department or by going online. As you prepare to do this, re-familiarize yourself with all of your coverage and the terms or your policy. If it turns out the damage is under your deductible, or something not covered on the policy, the process stops here.
If the damage is substantial, contact your insurance company and they will send an adjuster to look at the damage caused by the claim and estimate the cost of repairs. To expedite this process even more, in the case of car damage, you can bring your car to an auto body shop and have the adjuster go directly there. Do not take action on any repairs or estimates until contacting your insurance company. In some cases the company may require you get multiple estimates for the damages.
No matter the situation, your insurance company will want a statement regarding what happened, be sure to take note of the date, time and location of the claim. All information gathered will be reviewed to determine whether or not you will be covered for the claim, as well as what portion will be covered. In the event of an accident, payment will also be determined by the percent which you are at fault. For example, if you are rear-ended by another driver, you will likely file a claim with their insurance company under liability.
Once all of the information is taken into account, if the claim is going to be covered, you will receive a check in the mail in the coming weeks. Here at TSC>Direct, we hand deliver our claims checks so that we can see our satisfied customers face to face! From there, the process is complete and you can use the money from your insurance company to help repair any damages!
You can only file a claim if you have insurance, start by getting a quote with TSC>Direct today!