The explosive airbag deployment still rings in your ears as you exit your crumpled car, and wonder to yourself, "What has just happened?" When you find yourself in an accident, be sure to take the following steps to help ensure that your claim is quickly and easily settled:
To File or Not to File, That Is the Question
If you are at-fault, and no other driver is involved, you may want to cover the cost of minor damage yourself and skip filing the claim. After all, you can only qualify for a claims-free discount if you are claims-free. However, if another driver is involved, file your claim right away. For a claim involving only property damage where you are not at fault, you may choose to file a claim directly with the other driver's insurance company.
Should you be at-fault, file a claim with your carrier even if you don't have collision coverage. If anyone was injured in the accident, file a claim with your carrier right away no matter who is at fault.
Your Insurer Can Be Your Friend
There are advantages to filing a claim directly with your insurance company, and letting carriers fight out claim details amongst themselves. Your insurance company does the leg work for you, determines blame, and defends you should the other party file suit. If you have collision coverage, your car repairs can begin immediately. Your insurance company's claims adjusters are not the least bit intimidated by the other side, and have a vested interest in defending you.
Claim the best coverage for your needs by filling out the form at the top of the page. Let insurance companies earn your business with great rates, prompt quotes, and personal service.
Ryan Hurlbert lives and works in the Pacific Northwest. As an insurance agent, he produced and presented educational seminars on various topics from insurance basics to strategies for dealing with teen drivers. He has researched and produced marketing materials in the insurance, auto, and financial industries. Ryan majored in business and received his Bachelor of Science degree from Portland State University
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