Understanding the Greensboro Auto Insurance Claims Process

It's important for individuals buying Greensboro auto insurance to:

• Read and fully understand your auto insurance policy as it relates to your specific coverage, rights and responsibilities. Any questions you have should be directed to your insurance representative for clarification.
• Learn what steps you need to take in the event of an accident or other loss regarding your vehicle. Don't wait until it's time to make a claim to learn what's required.

The following information may be helpful in educating you about the Greensboro auto insurance claims process.

To Claim or Not to Claim

The only time you may want to consider NOT filing a claim when your vehicle suffers some type of damage is when the amount of said damage is less than the amount of your deductible. Even if the cost of fixing the damage is only slightly more than the amount of your deductible, you may want to pay the difference out of your own pocket just to keep from having that minor insurance claim on your record.

When involved in a vehicle accident where there's an injury or property damage, you need to report it to your insurance agent or insurance company as soon as possible, regardless of who is deemed at fault. The limit most insurers put on reporting an incident is seven days, although it's best if you can contact your insurer immediately, even while at the scene. This not only lets them open your file right away, but also lets them guide you through the entire Greensboro auto insurance claims process.

Calling the Police

State law in North Carolina requires that drivers involved in a vehicle accident notify the appropriate law enforcement agency by the quickest means possible if:

1. There are injuries to anyone involved
2. Someone dies
3. Total property damage equals $500 or more

Even if none of the three above apply, it's a good idea to call the police so an accident report will be filed. When notifying your insurance company of your loss they will require certain information that you should have collected at the scene, including:

• Name of drivers and registered owners of other cars involved
• Insurance company name/policy number
• Full details of the accident, including date, time and location, extent of injuries, extent of vehicle damage, passengers involved, names and contact info on any witnesses, name and badge number of the investigating officer and your description of what occurred