Millions of automobiles run on the roads everyday. This increases the probability of road accidents. After the accident what concerns most individuals is that how to file an auto insurance claim. Many people fret filing an auto insurance claim as they don’t know how to go about the whole process. Here are few quick pointers you must remember for filing an auto insurance claim:

• Know your policy well: insurance policy is a contract between two parties, you and the insurer. The policy lay out the damages which are covered and which are not covered. Before you make your claim, read your policy and check whether the damages you want to file in for are insured or not. If not, don’t make the claim, as it would even affect your no-claim bonus.

• See do you really want to make claim: you should see do you really need to make the claims. In case you can think you can comfortably pay for the damages. You should not file for the claim. Enjoy your no-claim bonus and rebate in your amount of premium.

• File your claim on time: it is better to involve your agent from the beginning. He acts as your customer care executive. His involvement can speed up the process. Also, many insurance companies limit the time period for making the claims.

• Documentation should be prim and proper: documentation is the key to make your filing an auto insurance claim hassle free process. Keep all the necessary documents ready and handy. In case your automobile has been involved in a collision, it is important to file the police report and keep its copy with you. In case you have made costly modification, it would be helpful to file in the video or photographs of your car.

• Get the estimate from a reputable source: it is advisable to get the estimate done from a reputable source. In case you get it done from two sources it would be better. The insurance adjuster approves at the first go, if you have got the loss calculated from a reputed source.

• Don’t file in for too many claims: don’t file for too many claims at one go. It may affect your reputation and even mar your relation with the insurer. If you keep filing in for damages, companies may even cancel your policy.



These simple six ways of filing an auto insurance claim, can make your process simple and hassle free.