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Car Insurance- Soothe The Claim Filing Headache
t seems like insult added to injury, you are in an accident or your car is stolen; now you have to deal with an inflexible insurer.

The method for filing claims after an auto accident or theft was supposed to be uncomplicated- A claim is made, the adjuster estimates and the insurance company issues a check. Lamentably, the process isn't always so easy for the millions of people who file claims each year.

Here are some things you can do to get claims settled as fast and as smoothly as possible:

Take note of the location, time, weather, road conditions, and lighting; you never know what will be relevant later. It is a good idea to keep a disposable camera in your car's glove compartment, so you can snap pictures of an accident scene.

On the other hand you can make a sketch of damage to vehicles and property, and record any other issues such as injuries, if you do not have a camera. Be sure to ask for and keep a copy of the police report for yourself also.

Next contact your insurer without delay: The insurance company could void your policy if you don't. Be sure to report in writing as well to make sure that your rights are protected under law. Check your policy- identify what coverage you have and don't have so you know what you can claim. Ask your agent ahead of time what the claims process will be like and what information the company may need. Keep track of and know the deadlines as well. Some policies have time limits for each step of the claims' process.

If your auto is stolen, your initial response should be similar to any auto accident. First, have a police officer visit the scene and file a police   [Article continues below...]