First and foremost, evaluate if there is a need to file a claim or not. If there is a bit of scratch on your car that can be fixed with a bit of polish, there probably is no need to call the insurance company. However, if it is something serious then it must be reported. In case of theft, you will obviously be getting in touch with your insurance company.
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Contact Insurance Company
Let the insurance company know of the incident. Tell them that you are preparing the documents for the claim. You want to do this as soon as possible to make sure that they do not have any excuses later on. Generally it is required by the companies that you make them aware of any issues right away as well.
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Fill in Forms
You will need to write down how the events unfolded and will also be required to fill in some forms. Additional papers such as a police report will most likely be needed as well.
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Once everything is ready, file the claim. If you have any additional evidence like pictures, do not hesitate to add them to the claim as well. You may hear not just from your company but also from the company of the other person if the claim is related to an accident. Stay ready for that and make sure that you explain each and every detail.
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Get It Fixed
Once the claim has been processed, the insurance company will either release the check or will direct you to a shop to get your car fixed from. In case of theft, they will issue you a check for the value of the car.
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