Filing an Insurance Claim for Your Vehicles

Car insurance is something you don’t think about much about until you need to use it. Several events could make you run for your insurance. According to a 2016 report from Freeway Insurance, the major incidents include accident involving another party, theft or vandalism, and weather damage.

To take insurance benefits, you’ll need to file a car insurance claim. Here are the following steps you’ll need to take to get back on the road ASAP.

1. Get to safety

In the case of the damage-causing incident, the first step is to ensure your safety and anyone around you. Make sure the scene is safe. In case of an accident, or if someone has vandalized your car, stolen or broken into, call the police. In some states, it is mandatory to call the police after an accident, so make sure you are aware of the law in your area.

The insurance company will possibly require a police accident report on the incident. The police report can work as a record of exactly what happened and helps the insurance company gets accurate information.

2. Accumulate data

When something happens to your vehicle, it’s entirely expected to feel stunned — yet it’s fundamental to remain concentrated on gathering exact, exhaustive data to record your vehicle protection guarantee.

  • Take photographs of any harm. Photos give a record of what occurred to your vehicle and some other vehicle(s) included. Note where and when the episode occurred and get photographs of the scene, as well, if conceivable. You’ll require however much detail as could reasonably be expected for your case.
  • Talk with the authorities who respond. Get data from the cop who reacts to the episode. An identification number and a telephone number will help if you have to develop and get more data later on in the cases procedure.
  • If your vehicle has been taken, give the police an intensive portrayal of a car and tag number. Offer your vehicle distinguishing proof number and enlistment number on the off chance that you have them available.
  • Clutch any receipts. On the off chance that you need towing, roadside help or some other administrations given the occurrence, keep all receipts. The insurance agency may repay you for them, in light of your inclusion.

3. Contact your insurance agency

Contingent upon the occurrence, you may rule against documenting a case and pay out of pocket to maintain a strategic distance from a potential increment in your protection rates.

At the point when you arrive at your insurer, clarify what occurred with however much detail as could be expected. This is the place that data and documentation you brought down at the scene prove to be useful.

4. Get back on the road

After you give all the incident details to your company of car insurance San Diego, the next stop is a vehicle inspection, if needed. An insurance claims adjuster or appraiser will find out the car’s damage and determine whether it can be repaired.


The procedure of filing claim for auto insurance in San Diego can be similar across insurance companies. But who pays for damages and how much is the coverage? It is based on your specific state and the details of the insurance policy. It’s essential to contact a car insurance company as soon as possible after an incident. They can provide better help to understand the claims process and your coverage.

Author Bio: A writer, fun and adventure-loving person, Melissa john works with Altra Insurance as a full-time content writer who loves to write about every possible thing that can make life enjoyable and this world a better place to live in. A hint of her personality can be found in her writing that how much she is passionate about her motives and career.

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