Filing an insurance claim may seem like a complicated, drawn-out process, but most claims are actually completed quickly. Knowing how to handle your auto and home insurance claims can make the process run even more smoothly. Learn what you should know when you file a claim with your insurance provider.

Read and understand your policy. Your auto and home insurance policies are contracts between you and your insurance company. Know exactly what is covered in your policy, such as collision protection in the event of an auto accident, and know what the deductibles are.

Act quickly by calling your agent or the claims hotline immediately. It’s crucial to get your insurance company involved with any claims right away, which can also lead to a quicker turnaround on your compensation.

Get a copy of the police report. If you’ve been in an auto accident, file a police report and ask for a copy of it. You’ll also want to write down information on the other party, such as their name, address, phone number, and the name of their insurance company.

Acquire an estimate from a mechanic. An estimate, or several, will prove to the adjuster how much damage was done to your vehicle. Some adjusters will approve a claim right away if you have an estimate from a reliable source.

For information on insurance in the La Habra, California area, or to get a quote, please contact Martplan Insurance Agency, Inc.