Getting into a car accident can be scary and frustrating. But having to navigate the insurance claims process can also add to your stress. Even a simple fender bender could require more paperwork and steps than you’d expect. The auto insurance claim process isn’t always easy, but if you know what to expect, you could help expedite the results. By being prepared before you submit your claim, you can help ensure you get a quick and often positive response.
First Steps After an Accident
A good insurance claim process starts as soon as the accident takes place. It’s crucial that you gather the right information and documentation before leaving the scene of the accident. Regardless of who may be at fault, be sure to grab the insurance and contact information of any driver involved in the incident. If possible, try to get the contact information of any witnesses or local law enforcement on the scene as well. You’ll also need to take photos or video of the damage to submit with your claim. Failure to produce the proper documentation could result in a denial or reduction of your claim.
Collision Assessment
When submitting an auto insurance claim, you’ll need to know how much you’re submitting for. This means you need to keep track of what you spend out-of-pocket on any medical bills or repairs, as well as being proactive in getting collision assessments. In some cases, your insurance provider may require you to get your assessment at an approved Maryland Auto Insurance Collision Damage Assessment Center. This doesn’t mean you need to actively get the repairs from that location; you just need their sign-off to collaborate on the amount you’re requesting.
Appeals Process
Sometimes, your claim could get denied, even if you are eligible for compensation. In many cases, a denial is the result of not producing the right evidence or documentation when submitting your claim. A denial will often return with a reason for the denial. Generally, you’ll be able to start the appeal process and resubmit your claim with any fixes or additions needed to help ensure you get reimbursed. Even at-fault drivers could receive compensation from their insurance companies for accidents they caused.
Increased Premiums
The last thing you’ll need to be prepared for is an increased monthly premium. Generally speaking, most insurance companies will raise your premium if you were in an accident. Even if the incident wasn’t your fault, you could still see a hike in your monthly payments. Practicing safe and defensive driving techniques could help you avoid accidents and keep your payments low. You may also want to consider not submitting a claim for smaller accidents, especially if the cost of repairs is lower than your deductible.
Start Your Auto Insurance Claim Process Today
If you were in a car accident, the sooner you start a claim, the better. At MAIF, we’re dedicated to helping drivers stay safe and avoid financial difficulties associated with accidents. Call us today at 301.476.4887 to learn more about our auto insurance policies and how to start a claims process.