Most insurance policies require you to provide your carrier with a Notice of Loss after an accident. In many cases, this is a form that you must complete that provides details of the accident. It is best to contact your carrier as soon as possible after an accident to find out what must be done to start the process. If you wait too long, they may deny coverage.
Insurance companies don’t operate the same they did 25 years ago when there was one claim file and one adjuster that handled the matter from beginning to end. Today, there could be several claim files – many of them electronic – and several adjusters located in different parts of the country. That’s why experts say that it’s more important than ever to start your own claim file.
Simply put, auto accident claims are the result of an accident that is reported to your insurance company. A claims adjuster (someone who works for the insurance company) will oversee the claims process and will be your primary contact. The adjuster will review your policy to determine:
Insurance companies have batteries of claims adjusters and lawyers whose job is to try to avoid paying, to hold down the amount they pay, and to save the insurance company money.