How to File a Comprehensive Damage Auto Claim with an Insurance Company Auto insurance is a necessity for anyone on the road, but there are many options to choose f rom when determining how much cov erage you need. Comprehensive auto insurance includes liability insurance, which will insure you for any damage done to other persons or property as a result of your actions. Comprehensiv e coverage also includes coverage for your person or v ehicle for damages that result from almost anything besides a collision. Filing a comprehensive auto insurance claim is simple. Instructions Things you'll need: Accident or incident report Insurance ID card Telephone Filing a comprehensive insurance claim o 1 Contact police and any necessary medical assistance immediately after a collision. Ask police to file an accident report. If they ref use on the basis of no jurisdiction, ask for an incident report. o 2 Obtain necessary information at the scene of the accident. Exchange insurance ID cards with the other parties inv olv ed and write down contact information and license plate numbers. Seek out witnesses to the accident who may be useful in f iling an accident report, then gather their contact information. o 3 Assess y our insurance policy to determine whether your have comprehensiv e coverage. Signing up for comprehensive coverage is not automatic, and y ou may have opted out. o 4 Determine the nature of the damages. If they are due to a collision, you will be covered for any damages to other persons and their property. However, you will not be cov ered for damages to your own v ehicle and person unless you have collision coverage. If the damages are due to something like vandalism or hail, y ou will be cov ered. o 5 Decide whether it might be more f inancially adv antageous to not file a claim. Estimate the cost of the damages and determine whether paying out of pocket would be more desirable than f iling a claim and increasing y our insurance rates. o 6 Determine who is at fault in the accident if another vehicle is involved in the collision. If you were not at fault and have no collision cov erage, you must f ile a claim with the at -fault party's provider. If you were at fault or have collision coverage, file the claim with y our own provider. o 7 Locate the number of your insurance company on your insurance ID card, then call to file a comprehensive insurance claim. Have all inf ormation pertaining to the incident on hand. The insurance representative will guide you through making a claim. o 8 Inform any other parties involved that you have filed a claim with your provider. If you are not at fault, tell them you will be seeking compensation for any damages not covered by your insurance company. Tips & Warnings Collision coverage is highl y recommended if you wis h to avoid court pr oceedings as a res ult of a collision that was not your fault. Without this type of c overage, you are reliant on the at-fault party's insurance. Some drivers do not have ins uranc e. Simpl y c alling to inquire about insurance cl aims may increase your ins uranc e rates, even if you do not ultimately file a claim. Try to do most of the res earch on your own, and determine that you wish to file a clai m before calling.
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