Things to Know Before Filing an Commercial Auto Insurance Claim

As you know commercial auto insurance is for people who use their vehicle for business or commercial purposes. Sometimes in case of an accident one needs to work in lines of business for which the policy was written. There are few exceptions but generally the claim process is simple. The various steps on how to fill a claim for commercial auto insurance are:

The preliminary instructions for filing commercial auto insurance claim include:

(1)Get the name of other drivers or say witnesses who were there at accident scene. Ask them about their insurance information and contact numbers.

(2)File a police report to claim for the accident.

(3)Take a picture of the location where the accident had happened along with the damage that had been done.

After this procedure is done you can claim for commercial auto insurance by following this step:

(1) Check whether the problem, driver and vehicle are covered under your insurance policy. To ensure the same one has to read the “coverage” and “exclusion” section thoroughly.

(2) Visit the insurance company’s website because many companies have a button or link which would lead to claim filing process. If online facility is not available one needs to call up and take the help for filing up of auto insurance. Before filing a claim one always needs to have policy number, driver’s license, employer’s information and vehicle registration available with them.

(3) Make your insurance agent notify for the insurer. The state laws require insurance companies to respond to such situations within a certain amount of time, so if you file claim early you will get back coverage early. One also needs to describe the events which have taken place and keep records of contact with insurance companies.

(4) Make the insurance company’s representative know the details when he arrives to view the damage to vehicle. A file with the insurance company has been established for your damage but still you need to check that the representative that comes along has all the information up to date. The representative will want to examine the vehicle and possibly the site so for that you will have to co-operate with him and explain the details.

(5) Check that you maintain good records and keep all that records and file in the safe place.