3 Things to Expect When Filing a Car Insurance Claim

Car insurance claim

Vehicles are a critical part of America’s transport system. According to Statista, there are almost 280 million registered motor vehicles in the country. The high number of vehicles is bound to result in a higher number of vehicle-related mishaps. In 2018, 12 million vehicles were involved in accidents, as reported by Statista. Further, data from the FBI shows that car thieves stole 718,240 vehicle reports in the same year. Based on these statistics, there is a good chance you will find yourself in a vehicle-related situation, compelling you to file an auto insurance claim.

Here are three things to expect when filing such a claim.

1. Duration of the Claim Process

The duration of the car insurance claim process typically varies from case to case. In general, most states usually require insurers to settle claims promptly, with some states requiring insurers to settle claims within 30 days from the day a policyholder files a claim. Besides state laws, the time it will take to settle your claim will also depend on the nature of the claim. For example, claims involving bodily injuries typically take longer to process than claims involving no physical injuries. It is worth noting that insurers are increasingly using technology to reduce processing time, as reported by Forbes.

2. A Claims Representative and an Adjuster

To start the claims process, you will have to report your matter to a claims representative who will take your details. These details include, among others, name, policy number, and basic information related to the accident. The representative will also explain how the claim process will work out and what you can expect. Then, your insurer will appoint a claims adjuster to evaluate the claim. A claim adjuster’s evaluation is meant to determine if you deserve compensation as well as the amount of compensation. You can expect the adjuster to contact you for additional information regularly. Ultimately, it is the adjuster who will negotiate your settlement amount with you. Both adjusters and claims representatives are mostly professionals who take your satisfaction seriously. You can, therefore, expect them to treat you with respect.

3. Possibility of Investigations

According to the Insurance Information Institute (III), about 17% of all auto insurance claims are fraudulent. Your insurer may, therefore, want to know whether your claim is genuine. Sometimes the investigations may be about issues of liability, especially where multiple vehicles are involved. In such instances, your insurer may want to determine whether it is them or other parties involved who will bear liability for the damage. It is always good to report the incident to the police, whether it is a theft or an accident. There are instances where a police report is required for your claim to be processed. However, whether the report is required or not, a police report is a valuable piece of evidence to support your claim.

These are a few things that you can expect while filing a car insurance claim. For affordable car insurance that will protect you and your vehicle, contact the team at Gee-Schussler Insurance Agency. We serve Orland Park and surrounding cities in Illinois.