The Claim Process With Auto Insurance in Harrisburg PA
Many drivers continue to operate their vehicles for years without having to make a claim on their Auto Insurance Harrisburg PA. Eventually, a driver will end up being involved in his first car accident. When a motorist needs to file a claim with his insurer for the first time, the process can seem daunting. Fortunately, the process of filing a claim is often fairly simple. The folks at the Strock Insurance Agency can help customers reach the right people when it’s necessary to file an auto insurance claim.
At the time of the accident, the motorist should get information from everyone involved in the accident. In particular, it is important to get information from the driver’s license as well as each driver’s insurance card. Taking a picture of the ID and insurance card may be helpful. If there are eyewitnesses, their contact information should be collected as well. It is important not to admit fault. All of this will be requested by the insurer when filing a claim. It is a good idea to contact the police, but the police may not show up if it is a minor accident with no injuries. If there are injuries, it is important to seek medical attention as soon as possible. In many instances, symptoms of injuries may not show up for the first 24 hours.
Although it is neither necessary nor safe to call the insurance company to file a claim at the scene of the accident, it is advisable to not delay in filing a claim. The best way to file a claim is online or by phone. When filing a claim with the insurer providing Auto Insurance Harrisburg PA, the adjuster will record the motorist’s account of the accident. After the claim has been filed, the insurer will help the motorist get his vehicle repaired if there was collision or comprehensive coverage at the time of the accident. If the motorist had medical coverage from the auto insurer and has sustained injuries from the accident, the auto insurer will arrange for payment of medical expenses.
In most instances, vehicles are generally repaired fairly quickly when the claim is under the motorist’s own collision or comprehensive coverage. Although the final disposition of the accident claim may not be settled for many months, drivers will be able to get their vehicles running again within a week or two.