The Process for Making a Property Damage Insurance Claim after a Car Accident

A car accident often results in physical and emotional pain, property damage, and unexpected costs. Another inconvenience of being involved in a motor vehicle accident is filing an insurance claim. This process can be time-consuming, frustrating, and confusing, but having a seasoned personal injury or insurance lawyer can make a world of difference to ensure that your case is handled promptly and your claims are secured. Moreover, a well-informed lawyer in motor vehicle insurance can review and explain your insurance policy’s coverage and limitations. They can also assess whether your motor vehicle accident is covered by the terms and conditions of your insurance policy.

The steps in claiming property damage from your insurance company after a motor vehicle accident are as follows:

Gather Information Regarding the Motor Vehicle Accident

Collecting pertinent information and documentation regarding your car accident is critical in any property damage claim you may have, whether against your motor vehicle insurance policy or against the other party’s insurance policy.

Some of the vital information that must be collected includes, but is not limited to the following:

  • The other driver’s name, address, and contact information.
  • The other driver’s insurer and policy information.
  • The other driver’s car registration, model, and make.
  • Any witnesses’ names, contact information, and statements regarding the car accident.

If possible, it is also helpful to take photographic or video documentation of the damage to the motor vehicles involved in the road accident, the road condition, and the surroundings where the accident has occurred.

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Review Your Motor Vehicle Insurance Policy

The next step in the process is reviewing your motor vehicle insurance policy to evaluate what your insurance coverage entails and whether there are any limitations.

Some of the limitations in motor vehicle insurance coverage include when a person driving your vehicle is under the influence of drugs or alcohol or if the motor vehicle was unregistered.

Do You Have to Pay for an Excess?

A particular issue to verify with your motor vehicle insurance policy is whether you need to pay for the excess. An excess is an amount that an insurance policyholder must pay when they file a claim with their insurance company, regardless of whether they are at fault or not.

The insurance policy’s Product Disclosure Statement (PDS) section specifically states the excess amount to be paid and the specific conditions that may be waived.

File Your Motor Vehicle Accident Insurance Claim

Generally, filing for a motor vehicle accident insurance claim is done online through your insurance provider’s website. However, you may want to discuss with your insurance provider how much they will cover given the extent of the damage to your motor vehicle before you file a claim so you can assess if it is worth filing a claim if there is an excess. Sometimes, it is more economical not to pursue a claim for minor damage if getting the damage repaired is less than the excess you need to pay.

You can check out your insurance company provider’s rules and requirements on how to file your motor vehicle accident insurance claims on their website or simply call them for information.

If you have been injured in a car accident in Western Australia, you should strongly consider instructing an experienced car accident lawyer in Perth to assist you with your car accident injury compensation claim. Having a personal injury lawyer do this can be invaluable as they can detect any issues with the claim before it is filed and ensure that your claim will be processed in a timely manner whilst ensuring that you receive the maximum amount of compensation for your car accident injuries that you are entitled to.

Monitor Your Motor Vehicle Accident Insurance Claim

Generally, the insurance company must contact you within ten business days of your claim. This communication may either state that they accept, deny, or seek additional information before deciding your claim.

During the ten business days, or after you have provided the requested information, the insurer will investigate by reaching out to the other driver, any witnesses, evaluate your vehicle, or examine any police report, if any, regarding your motor vehicle accident.

Once your insurance claim has been approved or denied, you can then attend to having your motor vehicle repaired.

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