Filing an insurance claim isn’t always an easy process, especially if you’re making an auto liability claim. With most insurance companies fully embracing technology to help their customers file claims and even send damage photos for remote estimates right online or through their smartphone, you can file most claims from the comfort of your own home. Before you log on to your insurance provider’s website to start the process though, there are a few things you should prepare to make the process as quick and easy as possible.
Depending on the kind of claim you’ll be filing, there may be additional information you need to provide at the start of the filing process. You’ll obviously need your personal details and contact information, and possibly a policy number if you don’t need to log in to your account to file your claim, or in the case of an auto liability claim if you’re filing through the other person’s insurance. There are generally two kinds of claims that are most common, auto and property claims.
Auto claims can be the most complicated, since they usually involve more than just you and your property. You can usually file through your own insurance, or the other driver’s insurance. The process is slightly different for each, as your insurance information is automatically linked to the claim when you file through your own coverage, while you’ll have to provide all of your information if filing through the other insurance company. Get as much information as you can about all involved parties, if police were involved after the accident, there is usually a form with all of the involved parties information for reference along with insurance company codes and policy numbers. If you have this form, provide this to your insurance company with your initial claim if they allow you to submit any additional documents, it’ll save you insurance company a lot of time digging and cross referencing claim information trying to find insurance information for anyone else involved. Also be sure to include any injuries or complaints of pain reported by anyone involved. This ensures your claim goes to a bodily injury adjuster right from the start.
Property claims, for example damages covered under homeowners insurance, are a little less complicated. You’ll want to have a decent number of damage photos, and if you have estimates on hand already it is a good idea to include those. Many times, insurance companies can work off of the damage photos and estimates you provide, only sending out a field adjuster to check for hidden damages or clarify anything that isn’t clear from the other documentation. If any non-structural damage was caused, for example ruined furniture and such, sending photos of those, as well as any receipts or listings of those pieces from the website or catalogue of the store you purchased them from will help your insurance company determine the value of additional property damage in the loss.
Once you submit your claim online, your insurance company will review the information and contact you to walk you through the next steps of the process, such as setting up inspections for an estimate, liaising and getting proof of your laptop repair company and the work they have carried out, getting recorded statements and answering any other questions you might have. If you have the app for your insurance company on your phone, you can track your claim progress and get assistance, and even upload photos right through the app to make sure everything is going smoothly. Your insurance company will contact you regularly to give you updates, as well as request any additional information that they might need throughout the process until the claim is complete and your damages are repaired.