THURSDAY, OCTOBER 9, 2014
Insurance is a product that really isn’t that much fun to use. “Using” an insurance coverage means something bad has happened. You’ve been in an auto accident. Your house has
burned. A burglar has helped himself to some of your possessions. Now you need insurance, and you’re glad you have it. But filing a claim isn’t necessarily an easy process, particularly if you’re not prepared.
Prepared? How do you “prepare” for an accident, a fire or a burglary? There are several ways:
Prepare Now before Something Bad Happens...
Tip. Know the Procedure in Advance.
Your policy usually has information on how to file a claim, specifically, who to call and how soon after the loss. You should know the claim process before you ever have to file a claim. If you have any questions about what is required of you and how to handle a loss or accident right after it happens, talk to your insurance agent or someone at the insurance company.
Tip. Keep Pens and Paper in Your Vehicle.
If you have an auto accident, you’re going to need to document details of the accident at the scene, including names, addresses and insurance information of the other driver(s); names and addresses of any witnesses; and license number(s), make and model of the other vehicle(s) involved. Make sure you have the capacity to do this.
Tip. Figure Out Where to Go for Repairs.
If you have an auto accident, you’re going to need to get the car repaired. If your house burns, same thing. What will you do? Talk to your agent and/or insurance company. If you have an auto body shop or contractor you like to use, tell your agent or insurer. Usually, you can use whoever you want if the body shop or contractor has been in business for a while. But make sure it’s OK to use that specific body shop or contractor. If you don’t know of a body shop or contractor, ask your agent or company for recommendations. Actually, agents and insurance companies are good sources for this kind of information.
Super HELPFUL Tip- if you have a personal auto policy with Alan Galvez Insurance, you can download our “Insurance Agent” mobile app and handle a car accident
from the scene of the accident!
You can take pictures, complete the loss report and send to us on the spot. You can also call 911 and a tow truck with one touch capability. You can download the app here.
Posted 12:00 PM
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