When you’re involved in an auto accident, working through a claim can be stressful and time-consuming. You may be stressed, flustered, and wondering where to begin. But knowing what to expect can ease you through the process and help you have a pleasant experience working with your claims professional. Although the car insurance claim process can vary, there are some essential, basic steps that are the same throughout. If you’re in an auto accident, here’s what you can expect when filing a claim through your auto insurance in Connecticut, CT.
Car Insurance Claims Process
If you’re involved in a car accident, here are some essential steps to take immediately:
- Stay at the scene
- Pull over to the side of the road safely. Get out of the flow of traffic if possible.
- Contact the police immediately.
- Exchange contact information, the name of your insurance company, and your auto insurance policy number with the other parties involved in the accident.
- If applicable, be sure to gather contact information from any witness.
- Avoid discussions of insurance policy coverage, limits, or fault.
- Report the claim once you and your car are safe.
Call your insurer
Once you’ve informed your insurer of the accident, you will get to talk to a claim representative who will ask you about the details of your loss and explain your policy coverage and the claims process. With most insurance agencies, you are able to access your account online or through a mobile app to quickly check up on the status of your claim. This can help you keep the process moving along and understand where you need to provide information.
Get a rental
If your car is no longer driveable because of the accident and you have Rental Reimbursement coverage, you should be covered for the daily rate of your rental vehicle. The amount covered by your car insurance is based on your policy’s rental reimbursement limits. But before you’re involved in an accident, you should ensure that you have enough coverage to provide you with a rental car if you need one to commute to work or run errands.
Repair your vehicle
The insurance agency will likely investigate the claim to determine what caused the accident and what damage was caused. Keep in mind that the insurance agency will only cover accident-related damage to the car. You can’t repair the broken bumper if the front end of the car was only damaged in the crash. Once you select a repair shop, your claim representative will guide you through each step of the repair process and work with you to resolve your claim quickly.
This is what you can expect during a car insurance claim. Work with an insurer who can find the right coverage for your vehicle, lifestyle, and driving history. For all of your car insurance needs, contact C.V. Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of auto insurance coverage, all at the right price to fit your budget.
