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| Filing Car Insurance Claim |
 Inform your insurer
Come into contact with your insurance company about the accident as soon as possible. The accident report will be reviewed by an insurance adjuster who will determine who caused the accident. If you don’t cause the accident, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you are the client of the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.
Do not release insurers too early
Until the damages are settled to your satisfaction, do not relieve your insurance company of its responsibility. For instance, have your insurance company handle the claim if the other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement.
Take into account these settlement factors
Bodily injuries: Monetary settlement may be entitled for you for injuries caused by another at fault (liable) party. Some injuries can become apparent in several days.
 Damages: Reasonable cost of repairs to your vehicle is paid by the insurance company. the damage is evaluated by an insurance adjuster. Normally, insurance companies and auto body shops negotiate disagreements about what should be repaired. You have the right to obtain another appraisal at any auto body shop, if you are not satisfied with their conclusions.
Appraisal clause: An appraisal clause is included in most auto insurance policies, which can be used to help resolve disputes between you and your insurance company about physical damage claims. You or your insurer can initiate the appraisal clause, if you cannot reach an agreement with your company. To resolve the dispute your appraiser and your insurer's appraiser then select an independent umpire. Read carefully your policy or ask your agent or insurance company for more information about the appraisal clause.
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Filing Car Insurance Claim