If you are in an accident or your car gets damaged by a storm, your insurance policy probably covers some of the costs associated with fixing the problem. In order to take advantage of this right, however, you must file a claim. Here are some key things to remember when you need coverage for damages.
Review Your Policy
It’s a good idea to know what your auto policy covers. If you have basic liability, it may not cover all the repairs your car needs. If you rely heavily on your car, it may be useful to add rental reimbursement to your policy just in case your car is in the shop for two weeks and you need an affordable way to get around. Knowing your policy can help you avoid unpleasant surprises when an accident occurs.
Report the Problem in a Timely Manner
The sooner your call your insurance company, the sooner you are able to be compensated for the damage to your vehicle. An adjuster can come out and look at your vehicle to determine how much your policy will pay to fix it. It is equally important to meet any deadlines for submitting any bills or outside estimates for the damage repairs. Otherwise, your claim may be denied.
Supply Complete Information
A Palm Coast insurance company will probably provide you with a list of documents needed to support your claim. For example, the police report from the accident can help the insurer sort out which driver was at fault and should carry the burden of the repair costs. Don’t leave anything blank on the claim form. The more information you can give to support your claim, the more likely it is that it will be accepted.
Your insurance coverage is designed to protect you when you need it. If you follow these tips, you can likely get coverage for necessary repairs when you have an accident.