Once you hear those screeching wheels and make sure everyone is okay, it's time to take that next step and file your insurance. Well, then again, maybe it isn't! Most of us have insurance coverage, but may not be sure about the nuances that could save us time, money, and frustration. This article will take those questions you've had and answer them, maybe even those that you were too embarrassed to ask!

The specific steps youall need to take will be different, depending on what kind of claim youare filing. There are accident claims, vandalism claims, and theft claims. All will require different paperwork. A phone call to your agent will explain to you all that is needed for a particular claim. When you fill out the paperwork, always keep a copy for yourself along with any receipts for expenses incurred due to the accident. If the insurance company determines that youare not at fault, you can be reimbursed by the other partyas insurance.

Are there times that I shouldn't file an insurance claim? Yes! Just because you have insurance, doesn't mean that anything that happens to your car is free game as far as your insurance. First, if whatever is wrong with your car is maintenance based, your insurance will probably not cover it, so your insurance angent doesn't need to know about your flat tire. Also, if the cost to repair the damage is less than your deductible, it is probably advisable not to report the damage as it may increase your premiums because of the frequency of damage reports. So, use your best judgment to make these decisions!

What information should I have available when making a claim? Once you have called the police, make sure that the officer comes to the scene and files a report. Immediately, notify your insurance company. Insurance companies will require: a copy of your license and registration, the claim form, a copy of the police report, and a copy of the total bills for all repairs.

How fast are insurance claims processed? Most claims are processed within a week, but unusual circumstances may slow down the process. Therefore, many companies strive to get claims processed quickly, but there is no requirement to have a claims processed within a particular amount of time.

People look at the list of recommended providers on their insuranceas list and wonder if those are the only places they can bring their car to for an estimate. You are free to take your car wherever you want, but only your insuranceas preferred providers will be guaranteed to give you a free estimate. It will also simplify the process because they can forward the information straight to your insurance company rather than giving it to you to relay back to them.

When can I take my car to get fixed after I have filed a claim? Once you have filed your claim, you can take your car in for repairs! In many instances, your car insurance company will have preferred providers that might make your turn around time on repairs faster. Because once you drop off your car, it is then a waiting game on ordered parts to come in to complete your car's overhaul.

When you're car has been in an accident or damaged in some way, it's usually in your best interest to file a claim. Take the time to complete all the steps to gain the most benefit. Keep your frustration and costs low, and get back in your car faster.