How do I submit a claim to my insurance company for damages to my car?

Filing a damages claim with an insurance company is a relatively routine process, but one that an injured driver should not take lightly. Typically, through contacting one’s insurance company following an accident, the process for filing a claim with your specific insurance company is explained. In general, the claims process usually involves filing a demand letter with your insurance company, which essentially outlines the reasoning for requesting compensation, the damages sustained during, or following an accident, and any supporting documentation corroborating demand letter requests for compensation

Depending on the extent of damages, including to your vehicle and your person, as well as whether the insurance company attempts to dispute any elements of your claim, you may consider involving legal counsel during the claims negotiation process. Although not every claim will benefit from involving a lawyer, typically claims with limited property damage and no bodily injuries, the vast majority can and do. Following the initial demand letter, a driver typically engages in a claims negotiation process, which for the most part, involves several phone calls back and forth engaging in a brief offer and counter offer strategy. If this process is successful, a driver will agree to a settlement amount and should receive compensation from the insurance company within a pre-arranged period of time. If the offer and counter offer negotiation process fails, a driver should consult with a lawyer.