Many individuals are unconcerned about how an automobile insurance claim works until they actually need to file one. The entire claim process can be affected by many different factors, such as the state laws where the claim is made, the insurance provider involved, and the extent of the injury and/or damage. Here is the basic outline of how the claim process works.
Notify the Agent
Do not delay the reporting of the accident to the agent, regardless of who appears to be at fault. The agent will advise on how to proceed with the claim and make recommendations on what the insured should and should not do regarding others involved. Documents will be required such as a police report and repair estimates. Generally more than one repair estimate is required, to get a balanced view of the damage.
Repair Authorization
Do not authorize vehicle repairs until the insurance agent has given instructions to do so.
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