Three things you should know about filing auto insurance claims

Dealing with an auto accident is a stressful experience. At E.S.T.I.R. Inc. we provide auto insurance policies to protect you financially after an auto accident.

It’s important that you know how filing a claim works so that you can minimize some of the stress and uncertainty of experiencing an auto accident. The following are three things you should know about filing auto insurance claims in Bloomfield, NJ.

You need to exchange info with other drivers after an accident.

Drivers are expected to give one another some information after an accident. You should collect the names, license plate numbers, and insurance policy numbers of all the other drivers involved in the accident. You’ll also be expected to provide your own information to the other drivers. 

Taking pictures of the accident site and getting a police report could be good ideas.

After an accident, the insurance companies of the involved drivers often need to determine who was at fault in the accident. Taking pictures of the accident and getting a copy of any resulting police report could help your insurance company to prove that another driver was at fault. 

You may need to have collision coverage to be compensated for damage to your own vehicle. 

If you are deemed at fault in an accident, you may not be compensated for damages to your own vehicle if you don’t have collision coverage.

Collision coverage covers the costs of repairs to your own vehicle. This type of auto coverage is not required by law, but it is important to have for New Jersey drivers. 

If you have questions about auto insurance in Bloomfield, NJ, we’re here to help. Send us a message online or call us to inquire about our auto insurance policies at E.S.T.I.R. Inc.