How to File a Comprehensive Damage Auto Claim with an Insurance Company by jeremymendez

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									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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