Accidents happen on the road, and when they do, most drivers will want to ensure that they are safe first and foremost, and then protected financially. Insurers are on hand to help with the latter instance. Most offer policies that can take care of repairs, injuries, medical bills, and much more. The most common concern that drivers face is where to claim car insurance if the need arises.
Where to Claim Car Insurance
If you’ve been involved in an accident driving your car. It’s your responsibility to get in touch with your insurer to allow them the correct time to process your claim. You’ll have up to seven days to do this. It’s always advisable to contact your agency within the first 48 hours to make sure that investigations can take place.
You can feel the need to ignore contacting your agency because of the concern of an increase to your premiums. It will typically only be the case if you were at fault. If you were the innocent party, your insurance provider should work with the other driver’s to be sure that financial aspects have been accounted for. This is why all drivers must have insurance.
If the authorities need to be notified, be sure to do that as well, but as far as your coverage is concerned; get in touch with your provider and register the claim. Most will have a toll-free number that they can be reached on. At this stage, you’ll be issued with a claim registration number or a CRN for short.
What Does This Number Do?
It’s a general code provided to those that have had to make a claim. It can be utilized when dealing with the police, or when corresponding with an agency. The goal is to allow the person claiming to present the number quickly, and then have agent access the information relating to the incident.
Once you have your CRN, you’ll typically be able to visit any garage or local mechanic to take care of the repairs to your vehicle. They will require the number to reclaim their costs, and it will then be out of your hands. In incidents whereby medical expenses are incurred, your insurer should be able to offer advice and information on how best to handle these proceedings.
They will work with medical insurers and hospitals to cover the costs associated with injuries. It can be so essential to invest in a package that offers medical aftercare (although this isn’t an obligation in most States). When it comes to making a claim, your agent should always be the first port of call. They will be able to help you with whether the police may need to get involved in the accident requires their input.