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What documentation do I must file an auto insurance coverage declare with American Household?

Subhead: Submitting a declare with American Household is a straightforward course of you possibly can full utilizing the app, web site, or cellphone. You possibly can assist the method by having all the required info. Beneath we unpack what documentation you’ll must file an auto insurance coverage declare with American Household.

The Takeaways:

  • Your cellphone’s digicam is probably the most useful device you’ve on the scene of an accident to doc an incident for American Household
  • Submitting a police report will assist American Household decide who’s at fault and assist you find the opposite get together when you didn’t get insurance coverage particulars
  • American Household’s app is the quickest approach to add all documentation while you file a declare

American Household gives auto and residential, life, well being, and industrial insurance coverage. The corporate is a top-rated insurer and is ranked eighth amongst auto insurers in J.D. Energy scores for general buyer satisfaction, scoring 874 out of 1000. However what documentation do you might want to file an auto insurance coverage declare with American Household?

Are you questioning how one can file an auto insurance coverage declare with American Household Auto Insurance coverage? It’s not an advanced process, nevertheless it’s vital to make sure you have all the required documentation while you begin the method. Beneath we listing a very powerful info that American Household wants from you when submitting a declare.

Data You Have to File an Auto Insurance coverage Declare With American Household

Earlier than submitting the declare, be sure to have the data beneath:

  • Date and time of the incident: The digicam in your cellphone will time-stamp any pictures you’re taking on the incident scene, however remember to jot down any extra particulars.
  • An intensive description of what occurred: Take pictures of the placement of the accident, skid marks, harm to automobiles or property, any intersections and highway indicators, and highway circumstances similar to ice, rain, or snow.
  • Different driver’s info: Take a photograph of their insurance coverage card and license plates and get their contact particulars.
  • Witness info: Get contact info from anybody who witnessed the incident.
  • Police officer info: Get the attending officer’s identify and badge quantity.

Do you might want to file a police report after an accident? If it’s a small accident, the police officer in attendance could not wish to file an accident report. Nonetheless, even when they refuse to take action, you need to insist. This report could be a massive assist in processing your declare. As well as, insurance coverage corporations may not take your declare severely if there is no such thing as a report from the police, and so they might have it to find out fault.

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If You Didn’t Get Data on the Scene of the Accident

You would possibly not get the opposite driver’s insurance coverage info after an accident. For instance, you’ll have forgotten to take action or been the sufferer of a hit-and-run. You probably have their license plate info, you possibly can file a police report to trace them down and get their insurance coverage info. With out their info, your insurance coverage will probably must cowl your prices. This would possibly improve the speed even when the accident wasn’t your fault. 

The best way to File an Auto Insurance coverage Declare With American Household

The quickest approach to file a declare with American Household is thru the MyAmFam app. Alternatively, you possibly can file a declare on-line or by calling 1-800-MYAMFAM (1-800-692-6326). Study extra about working with the corporate in our American Household Insurance coverage auto insurance coverage evaluate.

Claims Documentation With American Household: The Backside Line

Submitting a declare with American Household just isn’t an advanced course of. In case you preserve your head on the accident scene, take vital pictures, and get contact particulars for these on the scene, you need to have all the things you might want to file the declare. A police report of the accident can also be vital, as it may be very helpful for serving to American Household decide fault and course of your declare rapidly.

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What occurs after I file an auto insurance coverage declare?

After you’ve filed your declare, American Household will start to evaluate your declare and assess the harm. Relying on the complexity of your declare, the corporate would possibly assign a claims adjuster to analyze your declare additional. They are going to interview everybody concerned and seek the advice of police and hospital information. If you wish to pace up the method, you possibly can present a replica of the police report, pictures of the harm, and every other official documentation associated to the incident. 

How lengthy do you’ve after an auto accident to file a declare?

The period of time you to file a declare have after an accident will differ relying in your state, your insurer, and the kind of declare. Most insurers ask that you just make your declare as quickly as attainable after the accident. Nonetheless, some states have cut-off dates set by regulation. For instance, in New York, a no-fault state, you will need to file a declare inside 30 days of the accident.

How lengthy does it take to course of an auto insurance coverage declare?

The time it takes to course of an auto insurance coverage declare varies relying on how a lot info you present, your responsiveness to the investigator, and the complexity of the declare. Simple claims can take a couple of hours, whereas others could take weeks or longer. In most states, an insurance coverage firm has 10-45 days to settle a declare. On common, an insurer takes roughly 30 days to settle a automotive insurance coverage declare.

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Merriya Valleri

Skilled Insurance coverage Author

Merriya Valleri is a talented insurance coverage author with over a decade {of professional} writing expertise. Merriya has a powerful need to make understanding insurance coverage a simple process whereas offering readers with correct and up-to-date info. Merriya has written articles specializing in well being, life, and auto insurance coverage.
She enjoys working within the insurance coverage subject, and is continually studying as a way to …

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the College of Winnipeg. She spent a number of years as a Farmers Insurance coverage CSR, gaining a strong understanding of insurance coverage merchandise together with house, life, auto, and industrial and dealing immediately with insurance coverage prospects to grasp their wants. She has since used that data in her greater than ten years as a author, largely within the insurance coverage…

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