How to Respond in the Event of an Auto Claim
We here at Preferred Insurance Center get calls frequently about being involved in an auto accident. Sometimes they come in the same day or shortly after the accident occurs, and other times the calls are a few days later. Whether it is a collision involving multiple parties or something as small as a chip in the glass, these calls are not exciting for anyone involved but here are a few tips to make the claim go as smooth as possible.
- The first thing to do in the case of an accident is to make sure you remain safe. If you are in traffic, try to get on the side of the road. If there are injuries involved, call 911 right away! If involved in any type of collision, especially with another vehicle, you should call the police. This is going to save you a possible headache in the future if another party is involved. Once the police are called and respond, make sure to get the information from the other party. If you are uncomfortable talking to the other person, the police will gather the name, phone number, address and insurance company from the other driver and trade them with your information. This allows the insurance companies to have everything they need and not have to wait on a police report to be generated to get the information later.
- Call your insurance agent, aka: US! When you call us, we check your policy for proper coverage, and take down essential details that the insurance companies consistently ask so we can turn them in for you. You should hear from a company adjuster within 24-48 hours. If you have waited this time and still have not heard anything, call us and we’ll follow up! We are always here to help!
- Determine the damage and take pictures. If the car needs to be towed, make sure it gets to a safe location, usually wherever you decide to have repairs done. If your vehicle is drivable, we usually suggest getting an estimate from the repair/body shop of your choosing. Many repair/body shops in the area have our contact info and can forward the estimate right to us. We’ll take it from there to make sure it gets to the company!
We never like to hear that our insureds have been involved in an accident just as much as you would not like to be involved in one. We do our best to make sure the claim is handled correctly and efficiently to get you whole as soon as possible. We all hope we never have to get your claim phone call but are always ready to assist in ANY way we can in the event of one!