It is never fun for anyone going through the property damage insurance claims process. It is always embarrassing for the driver that is at fault while the owner of the property has to deal with the rush of trying to get the vehicle repaired. It would be better for both parties involved which is the insurance company and owner to have a good idea of the process involved when filing a property damage insurance claim. However, the procedure for filing a property damage insurance claim would depend on whoever is at fault.
We all know that owning up to your mistake isn’t an easy thing to do. If you are at fault for breaking someone’s vehicle windshield and you end up leaving a note for the owner of the vehicle, it could end up turning what would have been a frustrating situation into one that can now be handled. It is a wise thing to do to leave the owner of the vehicle a note if no one was around when the accident happened. Imaging how you would have felt if a damage ws done to your vehicle and no one was around to be held accountable for it.
Property Damage Insurance Claims Process
However, there are steps anyone can take when you have done a damage to someone else’s property and if you do not know these steps, check them out below;
- Ensure leaving the owner of the property your policy information and this involves leaving your name, insurance agency, policy number, insurance company and your contact phone number. This would come in handy when the owner of the property needs to reach out to you but you should also be on the lookout for calls that are from unknown numbers.
- Try to collect the information of the owner of the property. If it is possible you should end up getting their name, description of the property that has been damaged and a phone number as well. If they were not around then make sure you carry out the first step we discussed and ask them to reach out.
- Try to make sure you take a photo of the accident because it would also be helpful when it comes to settling the dispute
- You should make up your mind on paying a deductible. Repairing a vehicle depends on the type of coverage you have in your insurance policy and that would be subject to your deductible. However, deductibles are not required when it comes to repairing another person’s damaged property
- You should also expect a premium increase. If you file an at-fault insurance claim, it is likely to affect you in a negative way unless you have accident forgiveness before the accident.
If Your Property Gets Damaged
Coming out to find out that your property has already been damaged could be very frustrating for anyone. It is very frustrating to have your vehicle in a repair shop and being without it as well as dealing with insurance companies. However, the faster you get on with your claims processing, the quicker you would get everything resolved. Filing a property damage claim would go in one of two ways;
Knowing Who Damaged Your Property
You should make sure you get the information of the driver that caused the damage to your property. This should be his name, contact phone number, insurance company, location, date and time of when the accident happened. Make sure you put a call to your insurance company for help because they would always be happy to help you file a property damage insurance claim. As long as the driver at fault admits to his mistake, you would pay out of your pocket for any of the repair expenses.
Don’t Know Who Damaged Your Property
If the driver who caused the accident fled the scene then you are looking at paying for the repairs done to your vehicle out of your pocket. Your insurance policy should have a collision coverage in it if you must carry out repairs on your vehicle despite it being the cause of another driver. Depending on state laws, your deductible might also be applied. Adding uninsured motorist coverage to your insurance policy is also the right thing to do and in most cases, it covers for a hit and run accident.
Bottom line, the property damage insurance claims process is dependent on so many variables and hit and run accidents are very common nowadays. Make sure you have a good idea of state laws and make sure your insurance policy carries the right coverage as well.