Anxiety is often high after an auto accident. From concerns about injuries to vehicle repairs, the experience is frequently overwhelming. In this case, knowing how to file an accident claim with your insurance company can offer some much needed peace of mind during a tumultuous time.
Step #1 – Contact Your Insurer
You can either call your company or use an online form to provide information. Generally, insurers want to know the date and time of the accident, where it occurred, who was involved, if a police report was made (which they’ll need a copy of), and images of the damaged vehicles if available.
Step #2 – Go Over Your Policy Documents
Reviewing your policy documents can help you understand what is and isn’t covered by your insurance. It can also provide information on rental reimbursements and other topics. Even if you have a good grasp of your policy, reviewing it ensures you’re fully prepared for the process.
Step #3 – Discuss the Accident With the Adjuster
Insurance adjusters are tasked with investigating the events surrounding insurance claims to determine the appropriate settlement. Adjusters typically inspect vehicles and review evidence (like police reports), and they may request that you get an estimate from an auto repair shop.
Step #4 – Schedule Auto Repairs
Your insurance company may recommend certain shops, but you get to choose who repairs your vehicle. In the event a vehicle is totaled, meaning that it can’t be reasonably repaired, your insurer will provide funds to cover the value of the vehicle as opposed to paying for repairs.
We Have Experience With Insurance Claims in Las Cruces!
ABC Paint & Body proudly serves drivers throughout Las Cruces. Our mechanics perform collision repair, vehicle maintenance, and more, and have extensive experience with insurance claims. Schedule an appointment with our shop today by calling 575-524-2004. You can also contact us to learn more.
