Auto Insurance Claims

Be familiar with your automobile insurance policy before you need it. Read the policy thoroughly so you know what is covered, how much is covered, and what is excluded. Knowing in advance what to do in the event of an accident can help you avoid expensive mistakes.

Before You Have a Claim

• Carefully review your policy so you know how much liability coverage you have. This is the coverage that pays for damage you cause to other vehicles or injuries to other people.
• Know if you have collision and/or comprehensive coverage. Know what your deductible is.

There are several steps you should take after an accident to help you avoid expensive, time-consuming mistakes. Be aware that Alaska law requires you to report to the police any accident that results in death, injury, or damages of $2,000 or more.

Filing a Claim

There are several steps to follow when filing a claim if your car is involved in an accident, damaged by fire, flood, vandalism, or stolen:

• Telephone your producer or company as soon as possible, even if you are away from home or if someone else caused the accident. Ask your producer what forms or documents will be needed to support your claim. Your company may require a proof of loss form, as well as documents relating to your claim, such as medical receipts, auto repair bills, and a copy of the police report.
• Supply any information your producer or company needs promptly. Cooperate with your insurance company in its investigation, settlement, or defense of any claim.
• Keep records of all your expenses. Emergency expenses you incur as the result of an automobile accident may be covered under your policy.
• Keep copies of all your paperwork. Store copies of all your accident-related paperwork with your other important papers.