How Do I File An Auto Insurance Claim?

If you have auto insurance and a peril covered under the policy occurs, you need to file a claim to receive a settlement. However, it’s critical that you file your claim correctly because failure to do so can result in the claim being rejected by the insurer. Ellis Insurance Agency provides this guide on how to correctly file your car insurance claim in San Antonio, TX. 

Filing An Auto Insurance Claim: What You Need To Know

1. Call the 911 and Your Insurance Company

Depending on what has happened, the first thing you should do after an incident that is covered by your car insurance policy occurs is to call 911 and your insurance company. If it’s a criminal incident like theft or vandalism, your first call should be the police, then your insurer. If it’s an accident, call the police and emergency services so that anyone injured can receive timely medical attention, and then call your insurer. If the incident is damage to your vehicle due to a natural disaster, all you have to do is call the insurer.

2. Collect Evidence of the Incident

At Ellis Insurance Agency, we recommend that during your call with your insurer, you inquire what evidence they would need of the incident to assess your claim. In the case of an accident, vandalism, or damages by a natural disaster, use your smartphone to take detailed photos of the damage to your vehicle. Ensure that also capture wide-angle images of the location of the incident. In the case of theft, capture pictures of where the car was when it was stolen and get a police report.

3. Submit Your Claim With Evidence

Fill out the claim form from your insurer and submit it with the evidence you collected. Your auto insurer will review your claim, and if everything matches up with the terms of your policy, your claim will be approved.

Contact Us Today

Do you need auto insurance in San Antonio, TX and the surrounding areas? Call Ellis Insurance Agency today.

Do I Have Enough Accident Coverage?

There are many types of auto insurance coverage options available, which leave many wondering if they have enough accident coverage. The experts at Ellis Insurance Agency understand the need for accident insurance and do not want San Antonio, TX, residents wishing they had more coverage after an accident. When shopping for an insurance policy, make sure to discuss your options with your insurance agent and ensure you have enough coverage in the event of an accident. 

Below are the different coverage options you will benefit from having when in an accident:

Bodily Injury Liability

This coverage pays for the damage caused to someone else’s property and injuries when you are at fault. For example, if you caused an accident and are sued for the damage, this policy covers your court costs and legal defense. Additionally, liability coverage pays for the other person’s medical bills, lost wages, and compensates for pain and suffering. 

Collision Insurance

This coverage pays for the damages caused to your vehicle after being in an accident with another car or object or in the event of a rollover. 

Medical Payments

This coverage, often called personal injury protection, pays for medical bills and funeral expenses when the policyholder is injured in an accident. This policy may also provide coverage for lost wages and other related costs associated with the accident. 

Uninsured Motorist

This policy covers you if you are hit by a driver who does not have insurance coverage or enough insurance coverage to pay for your damages. 

Do not wait to discover you do not have enough San Antonio, TX, accident insurance coverage. Instead, call the experts at Ellis Insurance Agency today to learn about the different coverage options and which one is best for your needs.