Required Claim Information
When you get into an accident and need to make a claim with your insurance provider, whether in your neighborhood or while preparing for a roadtrip it’s important that you provide the company with the most accurate and up-to-date information as possible. If you want to ensure that your claim is a successful claim, then you need to give your insurance provider any information requested. Generally, you will need to provide specific details about the accident which may include photographic evidence of damage.
After an accident, you will be required to give your provider as much information as you possibly can about what happened. You will be required to inform them who was driving and riding in your vehicle, how many people were in the other vehicle, what kind of damage was done to your vehicle, what kind of damage was done to the other vehicle, who you think was at fault for the accident, and whether anyone was issued a ticket afterwards. In the aftermath of the accident, it will help if you can quickly jot down all of the details of what happened. See if you can construct an accurate picture in your mind of what events occurred, and then record all of these details for your provider.
You may also be required to provide information about the other driver’s insurance provider. If a police report was made after the accident, then you can usually gather this information here. Having this information is very important for your provider, as they will be required to consult with the other insurance company regarding the details of the accident. If you were involved in a hit-and-run accident or the other driver does not have insurance, then you need to report this to your provider immediately. You may be able to file a claim using some of your own coverage, but it will be imperative for your provider to know that the other party is unavailable or lacks coverage altogether.
In addition to the information that you provide your insurance company with about the accident, you may also be required to submit other, more detailed evidence of what happened during the accident. It is common for insurance companies to require drivers to complete a detailed personal statement about what happened during the accident. Having to write such a document can be somewhat stressful, as it requires you to think carefully and relive what happened during your accident. If you took the time to write down some things after your accident occurred, then it’s likely that you’ll have a better chance of writing a good statement to give to your provider. If you’re having trouble remembering things, don’t try to fill in the details with things that might not be accurate. Instead, focus on providing as much information as you can, but admit when you can’t remember the specifics of something.
Some companies may require you to provide photographic evidence of the damage that was caused during an accident as required claim information. Usually, if your provider requires this kind of evidence, you will be asked to submit photos of all areas of your vehicle that were damaged. Most of the time, these photos can be taken with a digital camera and then uploaded and sent to your provider via email. Sometimes, insurance companies will want to get professional photos of the vehicle taken, and they will send an adjustor to your residence or to the body shop to take photos of the damage. Sometimes, photos like these can be vital to making a successful claim. They can demonstrate the nature and extent of the damage to your vehicle in ways that words sometimes cannot.