Car accidents are often stressful, especially when substantial property damage is involved. In this case, you’ll need to reach out to your insurer to make certain you receive sufficient funds to repair your vehicle. Because this process can be stressful on its own, you must know how to proceed to ensure the best outcome. Here are a few important steps to take when filing an insurance claim.
Obtain a Copy of the Police Report
In the event police reported to the scene of the accident, they will most likely have created a police report documenting what occurred. This report can be very valuable after a collision, as it will provide an objective view of events. You can contact the police station that reported to the scene to request a copy of the report. Once you have a copy, you can then provide it to your insurer to help with their investigation.
Review Your Insurance Policy
It helps to know what is and isn’t covered before contacting the insurance company. For instance, collision coverage pays for damage to your vehicle, regardless of who is at fault. However, liability insurance only pays for damage affecting the other party when one party is considered liable for what occurred. By reviewing your policy, you can speak with your insurer confidently.
Contact the Insurance Company Immediately
In New Mexico, you have three years to file an insurance claim when injuries are involved, and four years to file when seeking money for property damage. If you don’t file within this time, you may not be able to access compensation for the accident. Keep in mind that the sooner you contact the insurance company, the faster you will get your repair funds and be able to restore your vehicle to its former condition.
In addition to filing a claim with your insurer in a timely manner, you must also schedule vehicle repairs immediately. That’s precisely where our team at ABC Paint & Body comes in, as we’re capable of handling all types of automotive repairs in Las Cruces. Along with body damage, we also offer vehicle repairs and maintenance to ensure safety and security.
Schedule repairs today by calling 575-524-2004 or contact us for more information on our services.
