Here Is The Filling Procedure For An Auto Damage Claim

It is one thing to have an insurance cover, it is another thing to know how to file a property damage  claim. A property damage claim can be either to your insurance agent or the other parties insurance agent.  In this article, you will learn  a step by step procedure to filling auto damage claim.

Filling Claim For At-Fault Damage

1. Give  your insurance policy to the owner of the damage automobile.

2. Obtained detail information of the damage vehicle. 

3. You might take a photo of the damage motor for future reference incase of dispute.

4. Contact your insurance agent for the claim .If both of your cars yours and the other person’s car was damage in the process, your insurance company will move to action to repair your damage vehicle depending on insurance cover, meanwhile, while  your insurance company will have to notify and call their attention of the owner of  the damage property before paying for his property damages.

5. You will need to pay your deductible in other to carry out repair on your car. But , you are not required to pay any deductible to carry our repair on the other person ‘s damage vehicle .The most determine factor is the kind of coverage you opted on your car insurance policy.

NOTE;

If you have an at fault claim filed, it will definitely reflect in your premium as it will scale high due to a recalculated  premium  renewal 

To avert this from happening  to you ,all you need to do is to purchase an accident forgiveness  previously to the time you had an accident.

• You are not at fault , Another property owner damage your car

In this instance when your property was damage by another person, there are two ways to file your claim, these are

1. When you know who damage  your  vehicle

2. When you don’t know who damage your vehicle

Filing claim: When you know who damage  your  vehicle

 Obtained the full details information about the insurance company of the person who cause damage to your vehicle.

Contact your insurance company for assistance.

You will not pay a dime from your pocket as long as the person whom caused you damage admits  he does &all claim handle by his insurance company  under is insurance coverage.            

                                   

Filing claim: When you don’t know who damage  your  vehicle

If this should happen to you, the options here include,

1. Paying  to cover the damage by yourself

2. Making use of a collision coverage on  your auto insurance policy.( In this case 3. your deductable will be applicable)

3. In the instance of damage to your home by a vehicle, your home owners policy would cover the damage and will not  required deductable

Your insurance agent and customer service representative could also be a source of helpful information for you in times of how to file an auto damage claim.