Submitting an Insurance Claim
Whether you are at fault or not, the most important thing to remember after an accident is to not panic. The following are some simple steps you can take to make sure the claim process goes smoothly. Before anything, make sure to get the name, phone number and plate number. If you are dealing with a hit and run, you may also need to report the crash to the police.
If You Are Not at Fault
- Even if the at-fault party plans to not use their insurance, Bavaro Autobody highly suggests that you submit a claim with your insurance provider in case there is more damage than you first suspect. This will also help you get a replacement vehicle if need be. Remember that even if you do file a claim, it is still the at-fault driver's option to pay out of pocket or use their insurance and once the repairs are started, you cannot go back and file your own claim.
- Don’t go searching for the best deal on estimates – let your insurance oversee the damages. The option to pay out the claim will still be available to you, but overseeing the damages is what you pay them for.
- Your insurance company will open a claim for you. You will have a deductible until the at-fault party officially assumes responsibility – then your deductible will be waived.
If You Are at Fault
- Before anything else, make sure to check that you have collision coverage on your insurance. If you don’t, you’ll have to pay out of pocket on your repairs, but your insurance will cover damages for the other vehicle.
- Make a claim with your insurance provider. Even if you have chosen to pay for all the damages yourself, making a claim enables your insurance company to make sure you are not being charged for unrelated damages to the other vehicle.
- Once the assessments are made, you will be told how it will affect your premium. This will help you to make an informed decision on how you want to pay for the damages.
- Remember that, just as if you weren’t at fault, we highly suggest starting a claim before repairs start just in case.