First of all, there are a few ways in which to file Personal Claims. It is best to file claims with the insurance company directly, as soon as possible. That will get the claims process started. You can either call the insurance company or go online to file a claim. If you have no insurance agent, that is your only option. If you do have an agent, you can call him as well, and he can help you through the process. Some agencies have emergency 24/7 voice mail or online portals where you can notify them of a claim after business hours.
Once Personal Claims are filed, insurance adjusters begin gathering information. You will get a call from one asking you for details regarding the incident. Be prepared to give her as much information as you can. If it was an automobile accident, provide complete information about your vehicle, the other vehicle, any visible damages, and any physical injuries. Provide contact and insurance information for the other driver involved. In any type of incident, it is important to relay any information you can remember about what happened. Things like weather conditions, witnesses, the surrounding environment, excess noise levels, and circumstances. If anything appeared out-of-the-ordinary at the time, mention it to the adjuster as well.
The adjuster will inspect all damages of vehicles or property, visit the site of the incident, and gather any medical information related to the incident. It is the responsibility of the insurance company to keep you updated regarding the progress of your claim. If you are not getting any information or answers to your questions by the adjuster, call your agent. Your agent can help you understand the process, review information with you, and help you communicate with the insurance company or adjuster. Service that shines above the rest is why you chose a local, experienced insurance agent in the first place.
Estimates are gathered for damages on the claim. You may be asked to do this, or the adjuster may do it herself. A check is then delivered to cover damages, based on the estimate. If there are discrepancies between the estimate and the total cost, you and your agent can request a supplemental check from the insurance company for the difference. One claim is not likely to raise your insurance premium. More than one claim may result in an increase in rates.
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