When an accident occurs, you may feel overwhelmed with what happened. It is a scary situation. The good news is that your auto insurance agent is there to help you through the process of recovering your losses. It’s a good idea to reach out as soon as you have an accident to discuss the ways the insurer can help. Here are a few examples.
Filing a Claim for Losses You Have
The most important step your auto insurance agent offers is support for filing a claim. This process involves gathering information about what occurred and processing the information through the insurer. Your agent’s goal is to help you get all of the coverage owed to you. This may include coverage for losses to you, your passengers, and your vehicle, and liability coverage for losses you owe others.
Explaining Your Coverage
Another key benefit your car insurance agent offers is information about your losses. Let’s say you are not sure if you can file a claim for damage to your car. Call your agent. He or she will determine if your policy offers enough protection to help you overcome the loss. You may need to prove the loss occurred under the policy’s requirements, though.
- Helping You with Claims from Other Driver Mistakes
What happens if your car has damage that another driver caused? Your auto insurance agent can help you. They can work with you, the other driver and their insurer to ensure you get coverage for anything that other driver’s policy should cover. It’s important to consider turning to an attorney in cases where the other agency denies your claims or does not pay for all of your losses. Your insurer can advise you on the next steps, as well.
- Helping You When Another Party Files a Claim Against You
Always rely on your car insurance agent to help you in situations where you caused the damage. Even if it was an accident or you are refuting your level of responsibility, let your agent handle the entire process. Most auto insurance policies include support for defense if someone sues you for damage, up to the amount of coverage you have. Many times, your agent will handle the entire claims process for you to minimize any complications along the way.
Take the time to talk to your auto insurance agent whenever you are facing an accident. They are there to support you and help you to recoup your losses. Many times, they have the right information to answer every question you have.