Many purchasers of auto insurance panic a bit when they have to file a claim. This is kind of silly though because it is not really a big deal as long as you follow a few simple steps.

Upon realizing you must file a claim, get in touch with your Miami auto insurance agent [http://miamiautoinsuranceonline.com] no matter who is at fault. It is vital to inform your auto insurance company that you were involved in an altercation, and in doing so you should be able to find out if you're covered for any damages.

After getting in touch with your auto insurance company, you should then ask what documents or forms you need to fill out to proceed, and what else is needed to support your claim. Most auto insurance companies will insist upon a police report as well as what is called a "proof of claim" form. After these forms are submitted, most auto insurance companies allow you to monitor the progress of your claim on their website.

Make sure to keep your own records even after you've submitted the appropriate forms. Information to keep on hand include the names and phone numbers of all involved parties, as well as the copies of any receipts and other bills that are relevant.

When you get a chance, it is important to ask your agent some questions about your own claim. These include the following:

-Is there a specific time limit for filing claims, as well as submitting bills and resolving claims disputes?
-What is the time limit for the submission of any additional information?
-Will the car insurance company get in touch with me by any particular date?
-What quotes do I need to receive for the damages to my vehicle?
-Does your policy covers a rental car, and if it doesn't then how much do I need to spend?

Just remember, in the end the claims process is subject to each state's own laws and other regulations. Your own auto insurance [http://miamiautoinsuranceonline.com] agent should be able to answer any questions that pertain to your state's individual policies.