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What should I do if I have a claim?

 

 

 

You’ve just been involved in an auto accident. The most important thing is your safety. If you are injured , please call for emergency help right away.  Here are some additional steps to help you file a claim on your auto insurance:

  • Call for emergency assistance if needed.
  • Once all parties are safe it’s helpful to take pictures of the damage and exchange insurance and driver information.
  • Next call your agent whether you are at fault or not
  • Follow the directions your agent gives you to provide all documentation related to the accident and file your claim. You may need a police report.
  • Keep copies of all your documentation and bills related to the accident. Jot down detailed notes following conversations about the accident. You need to know who you spoke with and what they said, at what date and time, and how to contact the person.
  • Find out from your agent:
    • Time limitations for filing your claims and submitting bills.
    • Time limitations for resolving claim disputes.
    • When you can expect the insurance company to contact you.
    • Whether you need estimates for the damages.
    • Whether your policy covers a rental car while your car is being repaired and how much it covers.

 

Next we will cover the steps to take to file a claim on your homeowner’s insurance:

  • Report any crime to the police if its due to a burglary or a theft
  • Phone your insurance professional immediately
  • Have the insurance adjuster inspect the damage
  • Make any temporary repairs to prevent further damage to your home or items in it
  • Prepare a list of lost or damaged articles
  • If you need to relocate, save your receipts, some of those costs may be reimbursed

We hope this has helped you navigate the claims’ process and answered any of the questions you may have had.  If we can be of further help, feel free to give us a call here at Sentinel Assurance at 651-237-5180.

 

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