|Car Insurance in the United States
|Claim Insurance in the United States
When an accident occurs, it's the policy owner's job to make sure the insurance company pays out appropriately, which is accomplished by filing a claim. Filing a claim can be a complicated process, and isn't the same for all insurance companies. One constant is that keeping the best possible records of the accident greatly facilitates the process. The more proof of damages, or lack of fault, the more accurately the policy-owner's claim will be filled. After an accident, the names, license numbers, and insurance policy numbers of all the drivers involved should be obtained, along with a copy of the police report, and phone numbers of witnesses. The insurance agent should be notified immediately. If injuries have occurred, all medical bills, lost wages, and anything else related to the injury should be recorded.
When filing a claim on collision or comprehensive insurance, there are a few things to consider. First, the shops that are part of the insurer's network save time, but because they seek to keep costs low for the insurer, they often provide lower-quality repairs. Second, generic replacement parts, which will be labeled as such on the repair summary, save the repair shop money, but may not work as well or last as long as parts from the original equipment manufacturer (OEM parts). Most often, if the policy owner demands OEM parts, he or she will get them.