| There are six things you need to know in order to | | | | could be to the insurance company. |
| properly file an insurance claim with your insurance | | | | You should then pay attention to all events pertaining |
| company. These things include getting a police report, | | | | to the insurance claim. If you had a discussion with |
| call your insurance, write a claim statement, follow | | | | the police then you should detail the conversation. |
| events of claim, check all policies, and be honest. | | | | Every conversation you have then you should write |
| When you file an insurance claim you need to | | | | down the date and time and the details of the |
| remember that the insurance company will look at it | | | | discussion that took place. If you end up on having |
| in two ways; either comprehensive or collision. This | | | | to go to court then you will need all documentation. |
| usually depends on the type of accident that | | | | You might want to create a log book so you can |
| occurred. If the accident was collision then your rates | | | | easily organize the conversations and who you talked |
| will not increase. If the collision occurred while | | | | to. |
| operating the vehicle then it will be considered collision | | | | Another thing you should remember is that you need |
| and your rates will increase. | | | | to be honest with everyone. Being honest will get |
| The first thing you need to do is file a police report | | | | you further than if you lie about anything. If you lie |
| when you need to file an insurance claim. Many | | | | then you probably won't get anything because no |
| insurance companies will not consider any damage to | | | | one will know what they can believe from you when |
| your vehicle unless there is a police report filed that | | | | you do speak. Be sure to be as honest as possible |
| they can have. If you were in a collision then you | | | | and don't worry about getting into trouble for being |
| need to call the police so you can get a report. | | | | in the wrong if the accident was your fault. The |
| The next thing you need to do is call your insurance | | | | insurance company will still cover the accident if it |
| company. If you are stranded on the side of the | | | | was your fault. |
| road because your car is totaled then your insurance | | | | When you file an insurance claim, you should be sure |
| company can also provide you with a replacement | | | | to do several things to make sure the insurance |
| rental car until your car is fixed or until the insurance | | | | company will pay for the accident. You should always |
| pays to get you a new car. | | | | file a police report. You should call your insurance |
| After the accident is over and you have a chance | | | | company right away. You should be honest and keep |
| then you need to write a detailed statement about | | | | track of every event and person you speak to |
| the accident. While the information is still fresh in your | | | | about the accident throughout the process in case |
| head and you do not forget anything pertinent about | | | | you need the information in court. These things will |
| what happened be sure to write everything about | | | | ensure you have a successful claim with your |
| the accident down. Don't forget anything because | | | | insurance company. |
| although you think the information is not important it | | | | |