Reader’s Question:

Can you walk me through the process of filing a car insurance claim in auto insurance policies here in Missouri?

Arden

Independence, MO

Even though it is tempting to file an auto insurance claim every time you have car trouble there in Missouri, stop yourself. Auto insurance companies find this to be a bit of a nuisance. The more claims you file, the higher your premium could be. So, if you can handle the financial responsibility of the accident without relying on auto insurance policies, don’t file a claim. There is such a thing as a no-claims bonus, which can bring down your auto insurance premium.

However, when you do decide to file a claim, do so immediately. You might get a call from the other auto insurance company, so make notes in advance, so that your answers are consistent. Finally, get your car fixed. A representative will either call you or assist you at this time. You can take your car to any car repair shop or one pre-approved by your auto insurance company. There are certain advantages to this, one of which is being considered a priority. The repair shop belonging to the network of your auto insurance company would likewise know what your insurer is willing to cover in terms of parts replacement and so on. This is just an option, of course. If you are more comfortable taking your car elsewhere, by all means does so.

Tags: auto insurance, auto insurance claims, auto insurance policy, auto insurance premium, Car Insurance Company