How to File a Car Insurance Claim
If you’ve been involved in a car accident, it’s important to contact your insurance provider to notify them and start the claims process. The claim can help you pay for the repairs of any damages to your vehicle. But many people avoid the process, fearing that it’ll be too complicated, and they’ll make a mistake or that their premiums will increase. Fortunately, opening a car insurance claim is much easier than you think. Learn how easy it is to file a car insurance claim here.
A police report isn’t required to file a claim, however, if the collision has resulted in damages over $2000 or injuries, you will need to report the accident to the police. Even if damages are minor, it’s important to collect the other driver’s name, contact information, insurance provider details and policy number, as well as the make and plate number of their vehicle. You should also get the name and contact details of any passengers and collect photos and witness statements at the scene to use as evidence.
Report the accident to your insurance broker or insurance company. It’s important to report the accident as soon as possible. Delaying this step could affect the outcome and also result in increased insurance premiums, so it’s recommended that you file it within 7 days of the accident. If it is not done within the time limits as outlined in your policy or by your province/territory, the insurance company might not honour the claim. In Ontario, you have up to one year to file a claim and in Quebec up to three years, but some policies have 90-day limits, so it’s important to file right away.
Collect all the evidence and documents required by the insurance company. This will include all the details regarding the accident, including any pictures you have taken, accident reports, witness statements, and details of the other vehicles involved to help support your claim.
Once the insurance company has the documents, they will review your policy and let you know if you can make a claim. If they decide that they can pay your claim based on your contract, a dedicated advisor will walk you through all the next steps and keep you up to date with the latest information regarding the status of your claim.
If your claim is denied, not all is lost. All insurers have a dispute resolution process. Serious matters can also be directed to a lawyer for settlement.
It’s easy to file a claim but it’s not as simple when you need to negotiate with your insurance provider. Working with an insurance broker has many perks, and one of these is filing your claims and negotiating on your behalf. Talk to us today to learn about all the benefits our insurance broker team can offer you.