GE Auto Insurance Company knows that a car accident can be a big hassle in many ways. But they happen to everyone sooner or later. Before you call your auto insurance company to report your claim, you should know that any time you call your insurance company to discuss filing a claim, it is noted on your policy file. It is important to keep a clean insurance record since claims filed may affect your rate. Even if you are not at fault. Of course there are times when filing a claim cannot be avoided. If you find it necessary to file a claim as the result of an automobile accident, it’s important to know exactly what to do to make sure the claims process goes smoothly.
Have Organized Files for your Auto Insurance Policy
The minutes it takes to label a file folder for your policy and stick it in a desk drawer or file cabinet can be a major relief after being involved in an accident. The last thing you need when you’re worried about your health and how to pay medical bills is to be scrambling through that stack of papers on your desk in search of your auto insurance policy.
Also, if you are injured in an accident, you want to make certain your loved ones can immediately put their hands on the policy. So if you already have an existing policy and haven’t done this, why not take 5 minutes right now to save yourself stress down the road? Go ahead. We’ll wait right here.
Gather the Necessary Information after an Accident
As soon as you realize you’ve been in an accident, your priority is to make sure everyone is okay. Make sure no one is in need of medical attention. Even if your injuries seem minor, you should consider being checked out at the hospital or by your own doctor. What seems like a minor injury can turn out to be something more serious.
Make sure to exchange information with the other motorist. Get their name, address, phone number, insurance company and the company’s phone number. Give the driver the same information about yourself.
Identify any witnesses on the accident scene. Ask for their names, and phone numbers just in case their version of what took place is needed. Be sure to file an accident report with the police, sheriff or other law enforcement.
After the accident, contact your insurance company as soon as possible to let them know about the accident. The accident report will be reviewed by your auto insurance company’s claims adjuster. The adjuster will make the final decision about who caused the accident. If you are not at fault, you can either have your insurance company or the at-fault driver’s insurance company make the necessary repairs. If you use the other driver’s insurance, there will be no claim listed on your auto policy and you don’t have to worry about a deductible.
If there was any significant damage done to the body of your vehicle, you will want to have your car repaired. After your claim is approved, a representative from your insurance company will call to see about having an insurance adjuster to examine the damage.
Is Your Vehicle a Total Loss?
But what do you do if your car is a total loss? The insurance claims adjuster will use different dealer surveys, value guide books and online price sites to decide your car’s actual cash value. It’s a good idea for you to research the actual cash value of your car as well. Don’t just take the claims adjuster’s word for it. If there appears to be a significant difference in the actual cash value you have versus what they have, you have a right to appeal your claim and ask for an adjustment. As long as you are able to present a sound argument, the insurance company will evaluate what you have to say. The insurance company is required by law to give you a fair price.
Just plug your zip code into the quote box at the top of the page or the homepage to get started finding a reliable Auto Insurance Company today.
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GE Auto Insurance Company
January 16, 2012January 16, 2012 0 Comments