Auto insurance helps cover the repair costs associated with a collision. Yet, for many drivers, the thought of filing an insurance claim is nearly as overwhelming as the accident itself. Fortunately, once you know what to expect, the process is much more approachable.

A Guide to Auto Insurance Claims

Required Information

You need to file a claim as soon as possible after an accident has occurred, but only after gathering the necessary information. Write down every memory in detail directly following the collision for reference when making your statement. Also have the other driver's information, including license, vehicle, and coverage details, on hand, as well as the police report number.

How to File One

Contact your insurance company either through your agent or directly through the provider and give both a spoken and written account of what happened. Typically, the other party's insurance company also requires an official statement from you. The two companies will utilize the police report and party statements to help determine the level of fault involved.

What to Expect

After filing the claim, you'll need to wait for the insurance company to send out an adjuster. The professional will evaluate the damage, take photographs, and create a report. Next, the auto body shop will complete their own evaluation and provide a quote for the repairs. Once your provider has a comprehensive understanding of the projected costs, they'll work with the other party's agent to reach a financial settlement amount. At this point, you'll only need to wait for claim approval before the repairs can begin.
 

While you don't have control over other drivers, you do have the ability to protect your own financial well-being. Find the right auto insurance policy by turning to Beadle Insurance Agency. For over 40 years, the locally-owned and -operated insurance agency has provided affordable and reliable coverage solutions to residents throughout Lubbock County, TX. Learn more about their auto coverage options online or request a quote today at (806) 385-3426.