Being in a car accident is never a fun experience in Michigan. Filing an insurance claim can be even more stressful. However, by knowing what to expect and being prepared, you can make the process a whole lot easier.
You’ll have to provide some basic information
This includes your name, contact information, insurance policy number, and the details of the accident. The insurance company will use this information to open a claim and begin its investigation.
You should also have the contact information of any witnesses and the police report number, if applicable. For instance, if the other driver was at fault, you’ll need their name, insurance company and policy number.
You’ll have to produce the police report
If the police arrived at the scene of the accident, you’ll need to get a copy of the report. This is important because it will contain information that can be used to help support your claim. This is particularly true if the other driver was at fault. You can get a copy of the police report by contacting the police department that responded to the car accident.
You may submit a sworn statement
The statement is meant to provide further details about what happened in the accident. It is usually only necessary if there are conflicting stories about what happened or if the police report isn’t clear.
You’ll have to provide proof of insurance
This is typically done by providing a copy of your insurance card. You may also be asked to provide a declaration page from your policy, which outlines the coverage you have. If you don’t have car insurance, you’ll likely have to pay for the damages out of pocket.
By preparing yourself and knowing what to expect, you can make the car accident insurance claim process a whole lot less stressful. Doing everything right can also help you reduce the amount of time you have to deal with the aftermath of the accident.