How To Handle An Auto Insurance Claim

Stressed Driver Sitting At Roadside After Traffic AccidentAuto Insurance Claims Process

Being involved in a car accident can easily ruin your day. No matter if it is a simple fender bender, or if it is a much more serious wreck, knowing how to handle your car insurance claim will help to ensure that you are able to get back behind the wheel as soon as possible.

After you are in an accident, call your insurance agent as soon as possible. The sooner you talk with your agent, the sooner they can start the claims process. Many auto insurance companies offer 24-7 claims filing services, allowing you to make a claim no matter what time it is. When you call your agent, make sure you have your policy number ready, and can tell them specifics about the accident, such as the location and time of the accident, and police report number if you have one.

After you file a claim, an adjuster will assess the damage to your vehicle, and estimate how much the repairs will cost. You will get a payout of how much it costs to repair your vehicle, minus the amount of your deductible. The insurance adjuster may also determine that your car is totaled, which means that what it would cost to repair your car is more than what your car is actually worth. If your car is determined to be totaled, you will receive a payout for the current market value of your car, before the accident. If you think that the estimate that is provided by your insurance adjuster is too low, you have the opportunity to dispute it.

For all of your auto insurance coverage needs, contact the insurance professionals at Desert Empire Insurance in Palm Desert, California. We will work with you to ensure that you have the right amount of coverage for any accident.