Knowing how to file a claim after a car accident in San Diego can help you in obtaining the funds you need to get back on your feet. When you file a claim, you will be compensated for the damages covered under your insurance policy. The following is a guide to filing a car insurance claim.
Contact The Insurance Agent
After an accident, make sure everyone is safe, seek medical attention, and notify your insurance company. In most cases, you do not need to notify your insurance company if you are involved in a simple rear-end collision and the at-fault driver accepts responsibility. The sooner you contact your insurance company in this situation, the sooner they can help you regain your footing.
There is a “no-fault” policy in California, which means, in the event of an accident, your insurance company will compensate you up to a certain amount. If you were at fault, the other driver will be responsible for your losses and injuries. Even if the incident appears to be minor, contact your insurance company to see if it is covered by their policy.
Call The Authorities
in California, minor accidents must be reported to authorities. if there is property damage or injury it is best to call the cops right away. The first officer on the scene will complete an accident report form, which will contain critical information about your injury. In the event of a question, provide detailed answers.
On the form you receive, the police officer’s name and badge number may be written in unreadable characters. Therefore, obtain a copy of the police report and double-check it as soon as it is submitted. If the police are unable to attend the scene of the accident, you can file a report at a nearby police station.
File an Insurance Claim
Your insurance company may request that you submit certain documents in order for them to verify and approve your claim. When filing a car insurance claim, you’ll need the following documents:
- A copy of the insurance policy
- First Information Report (FIR) filed with the police
- Duly filled up and signed Claim Form
- A copy of the vehicle registration certificate
Get Professional Legal Help
Employing a car accident lawyer could help you speed up the claim-filing process. Insurance companies frequently employ deceptive tactics in order to deny reimbursement or limit their liability. Our experienced car accident lawyers, on the other hand, know how to fight back.
Following the steps in the vehicle insurance claim process can assist you in turning a bad situation into a positive experience. Nonetheless, working with a car accident attorney can help you consider issues such as culpability and negligence. Our legal team has handled similar cases before. Call The Kindley Firm, APC at 619-550-1313 to schedule a free consultation.