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The aftermath of a car accident is confusing and overwhelming. Ensuring everyone is safe is the top priority. Then, the focus shifts towards filing an auto insurance claim to pay for any repairs or medical treatment. The answers to the following frequently asked questions will help expedite the process to get you back on the road to financial recovery.

Answering the Top FAQ About Auto Insurance Claims

What do you need to file an auto insurance claim?

Gather as much data as you can about the accident. This includes getting the auto insurance information from all parties involved and their phone and driver’s license numbers. Take pictures of the damage to your car, as well as the scene of the accident. Call the police to the site of the accident so that you can get an official report. All of these details will help process your claim faster.

What happens if the accident didn’t involve another vehicle?

auto insuranceIf the damage was due to a fallen tree branch or a collision with an animal, you should still file a claim. Most policies cover the repairs regardless of the type of damage. Instead of paying out of pocket, let your insurance provider determine fault and cover the repair expenses.

What if someone else drove the vehicle?

Whether it’s your spouse, teenage child, or friend, your auto insurance policy will cover the damages from a vehicle accident. The liability portion, which pays for medical treatment and property damage of other drivers involved, picks up the tab for those expenses.

How long does it take to receive a claim check?

The time frame will depend on how fast your auto insurance provider processes all the information about the accident. This includes contacting the insurance providers of other drivers involved. The appraiser may request additional evidence, such as a video recording of the damage. If other drivers were injured, it could also delay how quickly you receive your claim check.

 

Knowing what to expect when filing an insurance claim can cut through the red tape. Stautberg Financial Group will be with you every step of the way. Serving Cincinnati, OH, and the Tri-State area, the family-owned firm has a team of experienced agents who are committed to being your advocate after an accident. To learn more about the claims process, call (513) 821-6300. You can also go online to learn more about their insurance services. 

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