Filing a Car Insurance Claim
How you handle the claims-filing process after a loss can make a huge difference on how quickly the claim is paid. We'll give you a five-step guide on how to file a Florida car insurance claim.
- Contact your insurance agent as soon as you can, even if you're not at fault. Ask your agent if your policy covers you for this loss. Even for minor accidents, it is imperative that you let your insurance company know about it as soon as possible. When you are looking for free Florida insurance quotes, you might want to look for a company that offers 24/7 toll-free claims telephone numbers to make this step easier.
- Ask your insurance agent or your insurance representative what the next step is and what forms you will need to complete to corroborate your claim. Most insurers require a proof of claim form and a copy of the police report, if there was one. More and more, insurers are allowing policyholders to track the status of their claims online through their site. If this is important to you, seek out free Florida insurance quotes from companies that advertise this option.
- Give your insurer the information they request. Complete the claims form carefully. Also make sure you maintain good records. Take down the names and phone numbers of everyone you talk to and keep copies of all bills associated with the accident or loss.
- Ask your insurance agent the following questions:
- What is the time limit for filing a claim and/or submitting my bills?
- What is the time limit on resolving claims disputes?
- If I have to submit extra information, is there a time limit on that?
- When will the insurance company contact me?
- Will I need to get an estimate or multiple estimates on the damage to my vehicle?
- Does my policy reimburse me for a rental car while my car is being repaired? And, if so, what is the daily limit and how long does the coverage last?
- Keep in mind that every state has its own laws about claims-filing processes. Talk to your agent or call or visit the Florida department of insurance for further information.