How Do I File A Car Insurance Claim After I Got Into a Car Accident?
Filing a car insurance claim is very easy. The quickest way is to simply call your car insurance carrier and report what happened. Most Michigan car insurance companies are open 24 hours per day with representatives accepting new claims.
When you call the insurance carrier to report a claim, make sure you explain in detail how the accident occurred. If you were injured in the accident, tell them your injuries. Be as detailed as possible. Don’t be afraid. It is important the Michigan no-fault insurance company handling your medical claim understands from the outset your injuries and impairments. If you fail to disclose injuries at the beginning, the adjuster can be more difficult later on.
When you do make an insurance claim, make sure you get a claim number. This claim number is the key identification for all insurance representatives who will handle your case. Without it, they can’t identify you and future conversations with them will be frustrating.
In addition, the claim number is like your medical insurance card when making a medical, no-fault PIP claim. If you are injured in a car accident, and need to seek treatment, every medical provider you see should get your health insurance information, as well as your car accident claim number.
Under the Michigan no-fault law, the auto insurance carrier is responsible for paying auto related medical treatment that regular health insurance does not cover. With your no-fault claim number, the medical provider can bill everybody so you don’t get stuck with the bills.
Another way to file a claim is to call your insurance agent. The agent will then take down the information you provide to him or her and then call the insurance company to report the claim. I am not a fan of doing this for the simple fact the insurance agent may not be as detailed as the injured person would be. The insurance agent may forget to include important facts, such as injuries and medical treatment.
Some insurance carriers do allow you to report a claim online. In fact, most national carriers have this option. However, I do not recommend this. Speaking live with an insurance claims representative is important. First, you can clarify the details of the accident and your injuries over the telephone more readily than with a computer. Second, you will get a claim number immediately from the claims representative, which is important. In addition, you can ensure the claims representative has your correct information and can answer your questions about what to do next.
For example, if the insurance company has a preferred collision shop to repair your vehicle, getting that information over the telephone quickly is important. Or perhaps you have rental insurance on your car and want to get a rental vehicle as soon as possible. Getting this set up is much easier over the good old-fashioned telephone than online.
Another way to file a Michigan no-fault claim is have your attorney do it for you. Filing a claim does involve a lot of questions and a lot of information. Our office has a trained and professional staff that can do all this work for you. We can get a claim number, get an open claim letter, get billing information and get the application process started.
If you have any questions about getting a Michigan no-fault accident claim started following a Michigan car wreck, please give our office a call at 1-800-533-3733 (1-800-LEE-FREE) so we may answer your questions and begin the process. The phone call is free and we don’t get a fee unless we win your case.