Accident Insurance

Reader’s Question:

My brother was recently in a car accident. He has an accident insurance policy and I am in charge of taking care of it. How do I go over processing a claim?

Virginia

Jersey City, NJ

Most people think that processing a claim is very difficult. That could be true for some but if you know what to do and you have proper documentation, processing an accident insurance claim shouldn’t be too hard for anyone. Here is what you need to do in processing an insurance claim.

A person who had an accident should call the insurance company of the incident as soon as possible. The company would then send you a claim form to be filled up. In some instances, you can complete the claim form though telephone or though the insurance agency’s website. It would pay to review the accident insurance policy to see what aspects are covered.
In cases when there is also damage to the car, and your accident insurance covers it, you would need to obtain an estimate of how much the repair would be. You would need to provide this information to your insurer and they could determine if your car is eligible for repair. If not, they would provide you the value of your vehicle.

It is best to file a claim after the person insured is out of the hospital and done with all the treatment or surgery needed. This is to be able to file all the costs from the medical bill onto the claim. If you feel like this is procedure is not so easy for you, there is always the option of acquiring the services of a third party agency that could help you process a claim.