Streetsmart insurance Blog
It is sad that sometimes people only begin learning about the details of their car insurance policy on the day that they have a car accident. It is true that people are not totally aware of the aspects of the insurance policy and many do not even know how the claim process works. Car insurance has the goal of protecting you from any possible financial losses in case your car meets an unfortunate accident. Make sure that you know which damage to your car is covered and which ones are not. Here are some things that you need to know about your car insurance in advance.
Get a Comprehensive Car Insurance Policy
Before an accident, the best decision you could make is to get a comprehensive car insurance policy. This policy is different from any liability policy that will not protect you from any financial losses if your car gets damaged. A comprehensive car insurance policy will not only do that for you. It will also protect your car and your finances in case of fire, bad weather, vandalism, animal damage, falling objects, and theft. Furthermore, you can increase the cover by buying add-ons or riders.
Know How to Act During the Accident
While you are addressing health concerns in case an accident happens, it is also highly recommended that you look into the damages that your car has. You can use your mobile phone to take high-quality photos of these damaged parts. This will be good evidence to back up your insurance claims. Inform your insurance company about what happened. They will then advise you to take your vehicle to their garage, or you may have to wait for a claims inspector that the company will send.
Comply With Requirements After the Accident
After the claim inspector does his job, you will prepare the verification details for the claim process. This will include all the documents needed while hearing out your story. As the inspector asks you questions about the accident, it is best to give honest answers. You should then wait for the decision of the company for your claim after the inspector has sent the report to the car company. If they reject the claim, they will give a good reason for it. If they approve the claim, you will receive the compensation stated in the policy.
Behave Well and Cooperate During Claim Inspection
The inspector will need your full cooperation during the claim application. This is a time when you should not lose patience. You should answer all the questions of the inspector, and you should have all the documents verified. It is his job to check whether your claim is authentic. Be cooperative and supportive so that you can have your claim approved.
Some Final Words
Getting an auto insurance claim could be a complicated process if you do not know what to do. It will be worse if you are too impatient to cooperate with the claim inspector. Make sure that you know the details of the policy before you sign it. Get familiar with the procedure for the claim even before anything happens. That will save you a lot of effort. Let your auto insurance help you by doing your part.
At Streestmart Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (732) 462-8343 or Click Here to request a free quote.