What To Do In The Event Of An Accident

• The other vehicle owners name and contact information
• The drivers name and contact information
• The other parties insurance company name and policy number

You will also need:

• Your policy number and contact information
• The date the accident occurred
• A description of your automobile and damage
• A description of the automobile accident
• A description of any injuries

When you call your insurance company to report your loss, a claim customer service professional will document the details of the accident, provide you with a claim number, and assign your claim to one of their claim adjusters.

The sooner you call your insurance company to report your loss, the sooner they can help you. Some insurance companies have claims adjusters that travel around in their company logo vehicles and they can meet you at the scene of the accident and pay your claim right there on the spot. This is why it's important to report the claim as soon as possible. You will usually find your insurance company's phone number on your vehicle ID card. You can also google the number or refer to your automobile insurance policy.

It's also a good idea to call your insurance agent and let them know of the claim so that they can keep track of the settlement progress and help out if you have any questions or concerns.

After you have reported the accident it's a good idea to get working on obtaining your estimate. When choosing a repair facility, it's important to know that you should have your automobile inspected at the garage you intend to use to repair the vehicle. The claims adjuster will come to an agreed figure with that body shop so be aware that your settlement check will be different than originally expected. Your deductible will also be taken out of that claim settlement.

The length of time it takes to settle an automobile claim can vary based on the details and circumstances of your claim. It's the claims adjusters job to review all the details, see how they apply to the coverage at hand and settle the claim based on those predetermined rules. Insurance companies must follow these rules closely because they dictate how the company as agreed to handle automobile insurance in the State of Maine.

To be proactive and prevent damage or reduce the amount of damage in an automobile accident it's a good idea to wear your seatbelt, drive defensively and be free of distractions. Since you are thinking about insurance, now might be a good time to call your insurance agent for a quick review of our liability coverage and physical damage deductibles.

If you wish to speak to a claims adjuster right now, you may click http://www.holdenagency.com/insurance-companies to be directed to claims contacts for our partnering insurance companies.

We welcome any comments regarding Maine automobile insurance.