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InsuranceAfter an Accident Insurance ClaimsMake the insurance claims process easier by following these steps.Am I Covered? Car Insurance QuestionsAsk your insurance agent these questions. It helps to understand the types and extent of coverage you have. There are a lot, but you're paying a lot.Appealing an Insurance SettlementIf you have a difference of opinion on your insurance settlement, you can begin an appeal process, starting with your agent, moving to the claims adjuster at your insurance company, or your state's watchdog agency for insurance consumers. What's Your Insurance Score?Like a credit score used by banks, insurance scores rate your risk (how financially stable you are). Research has shown that people who are in better shape credit-wise tend to file less insurance claims. Working With a Claims AdjusterOnce you have notified your insurance company of your loss, you will meet with a claims or field adjuster employed by the company. If You Have No InsuranceIf you have no insurance (or less insurance coverage than you thought), your recovery will be based on your own resources and help from friends, relatives and your community. Estimating Your Home's ValueDo you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? Key Insurance Terms Determining ValueKnowing these terms helps to understand the process insurance agencies and relief organizations use to determine the value of your loss. Your tax accountant can also help you when claiming your losses. Top Homeowners Insurance MythsHomeowner's insurance can be a bit complicated. William S. Coffman, Jr., WHN's Guest Columnist, provides some common myths about insurance and insights into the realities of insurance and the claims process.Property Damage Questions for Your AgentThese are some questions to ask your insurance agent. These may confirm what you already know or may help you understand the extent and specifics of your coverage.Insurance Riders Do I Need One?You pay your homeowners premiums on time and feel reasonably comfortable that you are well covered should disaster ever strike, right? Wrong. Even if you think you have adequate coverage, you could be drastically underinsured.Life Insurance and Healthcare CostsIf you or someone you care about has been diagnosed with a serious illness, you may have already discovered that dealing with actual health issues is just part of the individual puzzle you must reassess and reassemble. Am I Covered? Home Insurance QuestionsThe more you know and understand about home insurance, the better you can insure yourself and your family in case of loss. Am I Covered? Life Insurance QuestionsHere is a 'starter' list of things to consider and questions to ask your agent. You'll probably come up with questions or ideas that best fit your needs. Choosing a Life Insurance BeneficiaryIf you own assets, from bank accounts to life insurance, it's important that you choose a beneficiary. Filing an Insurance ClaimA few tips on how to file a claim after a natural disaster, fire or theft. Motorcycle InsuranceThe more you know and understand about motorcycle insurance, accident coverage, and your own policy, the better off you are. Pet InsurancePet insurance is similar to health insurance: you may be reimbursed if the unexpected occurs. Property Damage What to Expect from Your AgentHere is a list of actions an insurance agent may follow after a claim. If you receive money from your agent or arrangements are being made for you, be sure to ask your agent what is covered under your policy and how much you are covered for. Reviewing and Updating Your Homeowner's InsuranceWhen was the last time you reviewed your home insurance policy? According to Loretta Worters, vice president of the Insurance Information Institute, there are six events that should trigger a review.Flood InsuranceOne of the most important things that you can do to protect your home and family before a flood is to purchase a flood insurance policy - even if you don't live in a flood-prone area. Earthquake Insurance ResourcesUseful links to information about disaster-related insurance resources.

After an Accident: Insurance Claims

Make the insurance claims process easier by following these steps.

Create An Accident File

This will include all of your notes, contact information, messages and other pertinent information. This can be an envelope, file folder, binder - whatever works best for you. These will be important for insurance claim purposes and when you file your taxes. Include the following:

  • Copies of police reports
  • Receipts from medical visits
  • Repair receipts
  • Photos
  • Other accident-related bills
  • Contact information for all witnesses: what happened, who was there, anyone you spoke with.
  • All the details you gathered at the scene

WHN Tip: Make copies of all documents and photos. Don't give out your last copy!

Consider another mode of transportation until your vehicle or bike has been repaired or you get a new one. (Some insurance policies include car rental fees, see next section.)

WHN Tip: Public Transit
If there is a public transit system in your area and you're new to the bus/train system, call their customer service line. Operators are trained to work with and address the questions and concerns of first-time riders.

Insured?

WHN Tip: Read your insurance policy. The process will be easier to navigate if you know the details of your coverage. Check your policy for specifics and document every action you take.

Get the following info ready:

  • Your car/bike/motorcycle insurance policy number
  • Your police report/case number
  • Your accident file with detailed information about the accident
  • The address and phone number of the place where your car/bike/motorcycle is currently located (body shop, tow truck company, home, work, etc.)

Call your car insurance agent to file a claim and to arrange for an adjuster to view your car.

Ask where you should take your vehicle for damage estimate and if the policy covers a rental vehicle.

Consider hiring a lawyer if needed.

Document and keep all conversations in your folder; they should all include the following:

  • Date and time of the phone call
  • Who you called or who called you (insurance agent, mechanic, police officers, doctor, attorney, etc).
  • Full name of the person you spoke with
  • List of the items and decisions discussed
  • Next steps to be taken, deadline for completion and who is responsible
  • Your claim number

Ask your agent how to proceed and what forms or documents will be needed to support your claim.

The insurance company may require a "proof of loss" form, as well as documents relating to your claim, such as medical and repair bills/receipts and a copy of the police report.

WHN Tip: Receipts
Just got a maintenance check? New tires? If you have the receipts, give those to your agent - you might be reimbursed for recent maintenance costs, depending on your policy.

Ask your agent if your policy covers the cost of a rental car while your vehicle/bike/motorcycle is being repaired. If so, ask the allowed time of the car rental (days, weeks, etc.) and what rental car agencies will be compatible with your policy coverage. Read our article Renting a Car for more.

Ask if you should get info from the police to process your claim. If so, what type of information?

Ask when an insurance company rep will assess the damage. Get the following info:

  • Date
  • Time
  • Name of insurance rep
  • That person's contact number and email

Supply the information your insurer needs.

Be sure you keep copies of what you are sending out - don't give away your last copy!

Keep records of the expenses you incur as a result of an accident. You may be reimbursed under your policy. This could include medical and hospital expenses, lost wages, etc. Ask your insurance agent about the reimbursement process.

Regardless of policy coverage - keep records of your expenses.

WHN Tip: Store It!
Again, store copies of all paperwork in your folder, you may need to refer to it later. Keep copies of receipts and financial notes with your accident info, but in its own envelope in the folder

Car, Bike or Motorcycle Repairs

Do not have your vehicle or bike repaired until an attorney or a representative from your insurance agency has inspected the damages.

Get an estimate for full repairs and replacement of all damage from the repair shop recommended by your insurance company. You may also get your own estimate, but your insurance company must approve it.

Keep the receipts and bids and all of this information should be recorded in your file.

WHN Tip: What Does "Totaled" Mean?
If the total cost to repair your car/bike/motorcycle exceeds a certain percentage of the insurance company's estimates of its worth, your car or bike is considered a total loss, or "totaled". Instead of covering the cost of repairs, the insurance company will pay you the car or bike's actual cash value, minus any deductible you have with your coverage.

Not Insured?

Keep the police case number with you at all times.

Consider another mode of transportation until yours has been repaired or you get a new vehicle or bike. Renting a car? Read our article Renting a Car for more.

Car, Bike or Motorcycle Repairs

With no insurance, repairing your car or bike is up to you.

If you retain an attorney, do not have your car repaired until the attorney inspects the damages. Confirm next steps with your attorney.

Get an estimate for full repairs and replacement of all damage, etc. from the repair shop you choose, or that you and your attorney agree upon.

Keep the receipts. All of this information should be recorded in your accident file.

Thank you ...

A special thank you to the industry professionals, lawyers, insurance agents, first responders and people who gave us their time, insight and real-life advice.

InsuranceAfter an Accident Insurance ClaimsMake the insurance claims process easier by following these steps.Am I Covered? Car Insurance QuestionsAsk your insurance agent these questions. It helps to understand the types and extent of coverage you have. There are a lot, but you're paying a lot.Appealing an Insurance SettlementIf you have a difference of opinion on your insurance settlement, you can begin an appeal process, starting with your agent, moving to the claims adjuster at your insurance company, or your state's watchdog agency for insurance consumers. What's Your Insurance Score?Like a credit score used by banks, insurance scores rate your risk (how financially stable you are). Research has shown that people who are in better shape credit-wise tend to file less insurance claims. Working With a Claims AdjusterOnce you have notified your insurance company of your loss, you will meet with a claims or field adjuster employed by the company. If You Have No InsuranceIf you have no insurance (or less insurance coverage than you thought), your recovery will be based on your own resources and help from friends, relatives and your community. Estimating Your Home's ValueDo you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? Key Insurance Terms Determining ValueKnowing these terms helps to understand the process insurance agencies and relief organizations use to determine the value of your loss. Your tax accountant can also help you when claiming your losses. Top Homeowners Insurance MythsHomeowner's insurance can be a bit complicated. William S. Coffman, Jr., WHN's Guest Columnist, provides some common myths about insurance and insights into the realities of insurance and the claims process.Property Damage Questions for Your AgentThese are some questions to ask your insurance agent. These may confirm what you already know or may help you understand the extent and specifics of your coverage.Insurance Riders Do I Need One?You pay your homeowners premiums on time and feel reasonably comfortable that you are well covered should disaster ever strike, right? Wrong. Even if you think you have adequate coverage, you could be drastically underinsured.Life Insurance and Healthcare CostsIf you or someone you care about has been diagnosed with a serious illness, you may have already discovered that dealing with actual health issues is just part of the individual puzzle you must reassess and reassemble. Am I Covered? Home Insurance QuestionsThe more you know and understand about home insurance, the better you can insure yourself and your family in case of loss. Am I Covered? Life Insurance QuestionsHere is a 'starter' list of things to consider and questions to ask your agent. You'll probably come up with questions or ideas that best fit your needs. Choosing a Life Insurance BeneficiaryIf you own assets, from bank accounts to life insurance, it's important that you choose a beneficiary. Filing an Insurance ClaimA few tips on how to file a claim after a natural disaster, fire or theft. Motorcycle InsuranceThe more you know and understand about motorcycle insurance, accident coverage, and your own policy, the better off you are. Pet InsurancePet insurance is similar to health insurance: you may be reimbursed if the unexpected occurs. Property Damage What to Expect from Your AgentHere is a list of actions an insurance agent may follow after a claim. If you receive money from your agent or arrangements are being made for you, be sure to ask your agent what is covered under your policy and how much you are covered for. Reviewing and Updating Your Homeowner's InsuranceWhen was the last time you reviewed your home insurance policy? According to Loretta Worters, vice president of the Insurance Information Institute, there are six events that should trigger a review.Flood InsuranceOne of the most important things that you can do to protect your home and family before a flood is to purchase a flood insurance policy - even if you don't live in a flood-prone area. Earthquake Insurance ResourcesUseful links to information about disaster-related insurance resources.