Even the most careful driver can be involved in an accident, requiring that he or she file an auto insurance claim. Consumers who are familiar with the claims process will have less trouble filing a claim in their time of need. By working with a Hanneken Insurance Agency Inc. agent in Little Falls, MN, consumers can gain a better understanding of how to file a successful auto insurance claim.
Before filing a claim, consumers should review their policy to make sure they’re fully aware of their coverage. They should know such details as amount of deductible, rental vehicle coverage and insurance limits for property damage. They should also inquire if their insurer has time limits on when to file a claim in order to get it in on time.
Steps to Placing a Claim
Consumers are responsible to inform their insurance company when they have been involved in an accident. Their insurer will assign an adjuster to investigate the details of their accident, determine who was at fault and recommend a course of action for vehicle repairs and/or payment of medical treatment, if needed.
Some insurance companies require that car repair estimates be made at designated sites chosen by the insurer. Others allow consumers to receive repair estimates at their own vehicle repair shop.
Once a repair estimate has been done, a report is sent to the insurance adjuster for approval. If both the insured and insurer agree to the estimate for repair costs, work can begin to repair the damaged car.
By choosing their own repair shop, consumers can have greater confidence that the work will be done right. They should request their body shop use only EOM parts for repairs to receive optimum performance from their vehicle once repairs are done. Upon completion of repairs, the insurance company will pay the bill (minus the insured’s deductible).
Even if the insured was not at fault for the accident, he can request that his insurance company cover repair costs to speed up his claim and get repair work done. The insurer can recuperate the funds later on from the insurance company of the driver at fault.
Working with a qualified agent from Hanneken Insurance Agency Inc. in Little Falls, MN facilitates the claims process so consumers can get back on the road without delay. To learn more about auto insurance coverage and claims, contact a Hanneken Insurance Agency agent today.