Why do you think it is important for every car owner to have auto insurance? Not only is car insurance  required by laws of many states, it protects you and your car in case of an untimely event such as an accident, fire, theft, or others.
Who wants to worry about the expenses of car repairs and medical bills in these trying times? Of course, auto insurance should be there to help cover for these expenses, so you can recover better, physically and financially.
Let’s say while you were driving your car, you are involved in an accident, and your car gets totaled. What should you do? If you are an insured driver and vehicle owner, how can you make a car insurance claim?
It is very important to note that the first number you call when this happens should be your insurance company. If possible, make this call as soon as you are able to. In this way, your insurer can immediately respond by taking the car out of that wreck, and taking it to an auto body shop that is licensed by your insurance company.
Most of the time, your auto insurance policy will take care of the towing fee as well as repairs from that auto body shop. It takes less time than if you choose your own repair shop because your insurer will need to approve first.
What else should you do when filing for insurance claims? While your vehicle is in the process of repairs, you will be asked by your insurance company to fill out an accident report and medical report, if any. This allows your claims adjuster, or the assessor from your company to determine how much of your expenses will be covered.
The claims adjuster has the task of efficiently handling your insurance claims and reports, communicate with you as the policy holder, assess the damages to your vehicle, determine a repair shop where your vehicle is to be taken, and many more.
The process of insurance claims is not always as quick as expected. For this reason, you must be able to provide a detailed medical report and accident report so your insurance company will be able to work on your insurance settlement right away.
In some cases, you can ask a police officer to help you with the details of the accident report, as you may be too distraught to think of the incident more clearly. Also, photos of the incident are very useful in helping you with your insurance settlement.
Remember this important information about insurance claims, so you are well-aware when an unexpected even occurs. Vehicle insurance can be very helpful to the driver and as protection for the property during these untimely events.
Always keep an open communication with your insurer so you know what your options are and how you can be helped during these scenarios. Be sure you have the number or 24-hour hotline of your insurance company saved in your mobile phone.