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How to process a Denver home insurance claim

March 18, 2020

No matter how careful you are, car accidents can strike at any time. While most of the time the insurance process can go smoothly, there are a few roadblocks that can make insurance claims a little bit difficult. We’ve compiled some of the information you need to know most before, and after, a car accident.

For starters, it’s important to make sure you complete a crash checklist, or what you should do immediately after an accident. Here are our recommendations:
  • Never, ever, leave the scene of an accident. You’ll need to stop and pull over. Always wait for a police officer or medical personnel to arrive. 
  • It’s important not to touch the scene too much. Get out of the way of oncoming traffic, but don’t try to fix your bumper or anything else that has happened to your car in the accident. If there is a risk of a fire or explosion, step far away from your car and wait for the officials.
  • Once you are safely on the side, make sure you call the police and report the accident. While you wait, take plenty of photos! 
  • Make sure while taking photos that you take photos of all damage done to your car.
  • Before leaving the accident, make sure to speak with the police officer and get the information of the other driver. Be sure to get the other driver’s name, contact information, and insurance information.
  • Once the initial shock is over, it’s time to get in touch with your insurance agent. You’ll need the police records, and you’ll need to go through the claims process with your insurance. This shouldn’t be too hard, but here is what you can expect:
  • Be ready to provide information about the crash, including the police records, date/time of the accident, weather conditions, and your account of what happened. 
  • You’ll need to talk about transportation in the meantime, your deductible and your next steps. 
Typical next steps will include: Getting an estimate for repairs and finding a repair service that is recognized by your insurance, 
You might need to prepare yourself for worst case scenario: your car has been totaled and you don’t have gap insurance. What this means is you are responsible for paying off the remainder of the loan, even though you no longer have the car. 

It’s important while handling any car claim that you ask questions, are attentive, and aren’t afraid to speak up. If you feel that something was portrayed inaccurately, this is your time to voice a change! If you need any help during the car accident claims process, Aspen Claims Service can help. Our large team of nationwide adjusters help with any size claim. Contact Aspen Claims Service today to see how we can help you.