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Car Insurance

Car Insurance Claim

A car insurance claim is a formal request to the provider for remittance of benefits in accordance with the terms of the auto protection policy. Insured persons usually don’t like filing a claim, for it usually cancels any no claims bonus for that policy year, but it the insured feels it is necessary. Paying out covered benefits is the reason for specialist car coverage or standard car coverage. Most insurance companies have a procedure to follow to ensure all required information is gathered in a timely manner, and it’s the insured driver’s primary responsibility to provide as much as possible.

All insurance claims involve presenting details of the incident in question. Providing false information will delay processing, if not an outright denial of benefits altogether. Many auto insurance companies require photographs of all damage done as well. It is in your best interest to be thorough in a claim filing, but if you don’t clearly recall an aspect, state that as well.

First Steps

As soon as possible, write down all details about the incident. Be sure to include the other driver or property owner’s name, address, licence number, vehicle information, insurance information, date and time of the incident and a description of what happened. The sooner you put these details to paper, the clearer the information will be. Don’t rely on your memory, for they are fickle things and tend to fill in forgotten details with information that seems to fit but may not be accurate. Contact the carrier with the same information and answer any questions they may have. Even if you are blatantly the responsible party, don’t admit guilt.

Your insurance policy should have the claim reporting procedure included, and you should always keep a copy of the policy in your vehicle. Keep your original copy safe at home, but you should keep an extra copy with the covered auto. Follow all instructions the insurance representative gives you.

A Claims Form

Most insurance companies have a claims form that the insured should complete. It should provide all the areas of inquiry and adequate room for additional explanation where necessary. If it does not, be sure to attach an additional paper to it. Keep copies of all documentation submitted.


The insurance company should provide the name and address of a recommended repair shop to take your car for any covered vehicle repairs. If another auto mobile was involved, the insurance company will contact the other driver to determine where he will or did take his vehicle, so they can photograph and document the damage and get an estimated cost of repair. If the property damage isn’t to an auto mobile but a stationery object, the property owner may receive a request from your insurance company to present a number of repair estimates from different organisations. The insurance company will usually authorise the least expensive repair.

The insured driver should take special care to follow the carrier’s claim filing procedure, for any omission or errant data could delay processing or deny the claim outright. If at fault in the accident, you would then be responsible not only for your excess but for all costs relating to the incident. Don’t forget to write all the incident detail down, even if it seems inconsequential, for it is better to have more information than needed than to not remember correctly. Following the claims filing process ensures that authorised repairs are completely in a timely manner, and all involved can put the matter hopefully to rest.

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