Choosing the right car insurance is a lot like choosing a new house: You want to feel comfortable with your agent and your decision. Once you’ve settled with a provider, it’s important to review your policy on an annual basis to ensure you feel at home with your coverage levels. In addition, knowing how to report a claim will protect your vehicle and passengers if you’re in an accident.

Why Report a Car Insurance Claim?

If the accident is not your fault, you should still alert your insurance company since a failure to report an accident can affect your coverage. You should do this as soon as possible. Your agent will help you get the claim started and explain the next steps in the claim process. Your insurance company will most likely require documentation, including a police report.

Make sure that you document everything you can remember about the accident so that you can refer back to it if needed. Try to remember any conversations you had and others involved in the accident. Also, keep track of all your medical expenses and any other costs associated with the accident to ensure you’re reimbursed. 

What Should You Ask Your Agent?

Once you file the claim, ask your insurance agent about your coverage. For example, find out if there are any time limits on filing paperwork and resolving claims and when you can expect to hear back from the agent.

It’s also a good time to ask if you’re responsible for getting estimates to repair your car. Your agent may suggest auto body repair shops that have partnered with your car insurance company. Lastly, find out if your coverage includes a rental car so that you have transportation during the claim process.

Shelter Insurance® Agent Michael Flynn can help you choose the right insurance at the right price for your home, business, and family. Serving customers in St. Charles and Lincoln County, MO, Michael has earned a reputation for quality service on car, homeowners, business, and life insurances. Call (636) 441-8177 to speak with him today.