This is a question we hear on a regular basis. Although the situation may be stressful, there are a couple of things to consider when reporting a claim to your insurance company. Firstly, it is always recommended to file a police report. Although a police report is not necessarily proof of who was at fault, the officer at the scene can report what he sees such as road conditions, how much damage a vehicle sustained, report any injuries and issue citations. Some things you’ll find in the police report are, year make and model of the vehicles involved, the driver information, and car insurance information such as insurance company and policy number. The last part is very helpful in filing a claim.
Secondly, report the accident to your insurance company as soon as possible. Your insurance policy provisions indicate that you must file a claim promptly! If you wait too long, it can jeopardize your coverage.
So if your involved in an car crash, file a police report and call your agent as soon as possible!
Fred Gonzalez is an insurance agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed in Texas since 2001.