Filing Claim From Auto Owner Insurance Company Missouri MO
Reader’s Question:
How do you apply for a claim at an auto owner insurance company?
Lance
Kansas City MO
The first thing you need to do before going to your auto owner insurance company is to gather the necessary information first. If you’re ever involved in an accident, call 911. If you believe there’s no injury to both parties, then phone the police. Insurance companies will need the police report to confirm that there was indeed an accident. Some police officers avoid writing a report if they think the damage is below $500. Insist on it. You’ll regret it if you don’t.
Get the other person’s contact information and license number. Ask if he or she has insurance so that you will know how much you will need to pay. Don’t forget to your license number too since that other person will also file a claim with an insurance company. A lot of states now require vehicle owners to carry insurance so if he doesn’t have one, then it goes in your favor.
Ask witnesses or people at the scene for their numbers so you can contact them later when you’re applying for the claim. If you were unable to do so, check the police report. By now, you should have seen the importance of a police report.
Inform the other person’s insurer that you plan on getting a claim and will want to reimburse any costs from them that your own auto owner insurance company won’t pay. Write down what happened so you won’t forget what happened. Companies will ask for you own version of what happened so be prepared.
Of course, call your Missouri insurer. There are insurance companies that will process your claim within 24 hours as long you have your insurance identification card. So make it a habit to carry yours every time you drive.
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