When Filing an Auto Collision Claim

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Smart Consumer Tips
When Filing an Auto Collision Claim 1. Be
informed about your policy Know what your
insurance deductible is so youre prepared for
any out-of-pocket expenses you may incur. Find
out if your insurance policy covers common
expenses, such as fees to rent a car while your
vehicle is being repaired and towing
charges. 2. Keep good records Be sure to
exchange drivers license and insurance
information with others involved. Also consider
keeping a disposable camera in your car or use
the camera feature on a cell phone to take photos
of the accident at the scene. Find out where your
vehicle is being towed, and keep a copy of the
police report if one was taken. 3. Contact
your insurance company ASAP Expect your
insurance company to provide a clear, thorough
explanation of the settlement process and a
single contact person to assist you during the
repair process. If your vehicle is totaled,
find out how they determined the vehicles market
value. Common sources include NADA and Kelley
Blue Book. 4. Be involved in the
repairs Ask friends and neighbors for
repair facility recommendations. Also find out
the advantages of using the insurance
carrier-preferred facilities. Its always a good
idea to check out the facility conducting the
repairs through the Better Business Bureau at
www.BBB.org, where you will find ratings and
reports based on consumer complaints.
5. Understand repairs to be performed The
insurance provider should give you a clear and
thorough explanation of the repair process, the
parts to be used, when repairs will be completed,
and the payment process, including your
out-of-pocket expenses.