Auto accident insurance gives you the necessary financial cover for the accidents. The insurance compensates the medical bill and for other associated expenses that you meet due to accident.
Try to be as honest as you can in your claim. This is important because there are number of cases that get disqualified each year as fraudulent cases. Here are some tips which you can use to claim for auto accident insurance.
Contact your financial advisor
This is the first thing that you should do. Contact your advisor who suggested you the plan. Ask him about the claim procedure. Ask him all that you require for the claim; the documents that you need and the proof that you need.
Discuss with him your policy details and find out what and how much you are entitled to this is especially important if your policy is in the initial stage. You can also approach the company directly and ask the officials about the claim procedure. Find out from the officials what they want you to do; what they want you to submit along with your claim statement.
Find out about the cover that you have
Take you policy documents and calculate the coverage that your policy gives you. Read your policy documents carefully and find out how much you can claim. If you have more than two insurance policies that give you auto insurance cover then go through them and find out how much you are entitled to.
Prepare an auto insurance claim statement
Prepare a statement about the accident. Collect all the necessary documents and bills that you can present as a proof. Place the medical bills in order. If possible ask your physician to prepare a detailed report of the injuries.
Attach them on to your statement. List the medical reports of the injuries. Find out the details of the witnesses. Find out about their address and contact number. Mention them in your statement.
Stay in contact with the claim department of insurance company
The insurance company will send an official to your place that will examine and find out the authenticity of the documents that you place with your claim statement. The company will also send an adjuster who will look into the process. They may ask you to fill some forms before they finalize your claim.
Keep all the evidence ready with you. Fill all the forms as quickly as you can so that there are no delays from your side. Keep track of the procedure. If possible write down all that you go through, all that you discuss with your officials and all that you place as evidence.
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