Advice For Filing An Auto Insurance Claim

We know we need it; it is required, after all. We just hope we never have to
use it. Purchasing auto insurance may seem like the difficult part of the
process, with all the legalese and fine print; however, if you actually ever
need your auto insurance, you're going to have to file an auto insurance
claim. This can be the trickier part, if you aren't prepared.

Below is some advice for filing an auto insurance claim.
Although it's best to brush up on this advice before you actually need to
file an auto insurance claim, you may want to jot this advice down for
future reference.

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You really should know how much auto insurance you have before you're
involved in an accident; however, if you don't, find out how much liability
coverage you have. Liability coverage is the amount of money you have
available to pay for the damages caused by an accident in which you are at
fault. The liability insurance can cover vehicle repairs and hospital
expenses for the other party, for example.

You also need to know the amount of your deductible for your collision auto
insurance coverage, and your comprehensive auto insurance coverage if you
have it. Simply put, this is the amount you have to pay before your auto
insurance kicks in.

Contact Your Insurance Company

Contact your insurance company, and provide them with your name and address,
as well as those of the involved parties, everything pertinent to the
accident (date, time, location, damages, etc.), and the names and addresses
of any witnesses.
Your insurance company will advise you on what further steps to take, and
then they will take it from there.

Keep Records

In the meantime, keep records of all paperwork, including repair receipts
and hospital visits. Your insurance company may request this documentation
later.

Being prepared before an accident will make the process after the accident
much smoother.

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