Navigating through car insurance claims is complicated, and people have different questions. If you have been involved in an accident, you might be confused about where to start to get compensation. Regulations governing car insurance firms vary by state. It is essential to know more about filing an auto insurance claim. The following are frequently asked questions and their answers to help you understand more about the claims and how to file.
Do I need a police report?
If you want to file a claim, you will need a police report. The report is vital, especially if more than one car was involved in the accident. You will need it as proof of how the accident happened and the injuries incurred. Therefore, ensure you notify the police about the accident immediately after it happens.
What if my car is totaled?
If the amount of repair is higher than the car’s market value, it will be totaled. The extent of the totality differs with states. Therefore, it is crucial to check what your state says about declaring a car as a total loss. You can agree with the decision of dispute that the insurer undervalued the vehicle. Find out what you need to do to fasten the claim process to get your money after your car is declared totaled.
Do I need a lawyer?
Yes. A lawyer is essential when filing an auto insurance claim. The auto insurance claim lawyer will help you determine if you are eligible for the claim and what you should do to increase your chances of compensation. They will also know the best way to handle the company if it is reluctant to pay.
Will I pay for repairs after the claim?
If you don’t want your coverage to change or there is a loan on the car, you will have to cater for the repairs. However, if you no longer want full coverage, you can choose not to make the repairs.
How long should I take after the accident to file a claim?
The time you can take to file the claim depends on your state. Some states have shorter limits than others. Therefore, it is crucial to check the statute of limitation in your state to ensure you are still eligible to file a claim.
How long will the claim take to settle?
It can take time to get payment after filing a claim. The period depends on the situation with the insurance company and the negotiations. Some claims can take hours, while others take months.
What if the claim is denied due to bad faith?
If you believe your claim has been denied due to bad faith, you can file a complaint against the insurance company. The insurer may undervalue your payment, ignore your claim, or refuse to pay. In such a case, they have violated the contract. You will get a refund, additional compensation, or other benefits if your complaint is approved. Consult your lawyer on how to go about it.
Conclusion
We hope these questions and answers have helped you know more about filing an auto insurance claim. The best chance of getting compensated quickly is working with a lawyer.