Tips From Honda Baltimore On Filing An Insurance Claim

Tips From Honda Baltimore On Filing An Insurance Claim

When an accident happens, there are several steps a driver should take to ensure their insurance company has all the information needed to process a claim. Dealing with your auto insurance company after an accident becomes much easier when you understand what to expect and how to proceed immediately after the accident. Honda Baltimore offers the following tips to reduce your out-of-pocket expenses and get you back on the road as quickly as possible.

Have a checklist available- In the aftermath of an car accident, all parties are usually shaken and emotions are running high. When this occurs it is not uncommon for an individual to forget the proper procedure to follow. For this reason Baltimore Honda dealers suggest keeping a checklist in your glove box, along with other pertinent insurance information to jog your memory should you forget what you are supposed to do next.

Become familiar with policy coverage- Each insurance company and policy will have different coverage and procedures to follow after an accident. Many major insurance carriers will allow for online processing of insurance claims while others may have a different claims process. By becoming familiar with what your policy covers and the claims process, you can save time and money. For example, some policies will have a first-time accident forgiveness clause. If this is your first accident, you need not fear an increase in premiums that might otherwise be a reality for those without the same coverage.

Schedule repairs- Before taking your car into any body shop in Baltimore MD, find out if your insurance carrier has a list of shops which must be used in order for your claim to be processed. If they do have a list, you must take your car for an estimate and necessary repairs to one of the approved locations. Failure to follow outlined procedures may result in a claim that is unpaid, resulting in extra expenses for which you will be responsible.

There may be times when it is better to not file a claim. If estimated repairs will be less than your deductible or if you have maintenance issues that resulted in damage, filing a claim may end up costing you more than simply paying for repairs out-of-pocket. The more you know about the claim process, the better equipped you will be to make an informed decision in the aftermath of an accident.

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