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


Subhead: Submitting a declare with American Household is an easy course of you’ll be able to full utilizing the app, web site, or telephone. You possibly can assist the method by having all the required info. Under we unpack what documentation you’ll have to file an auto insurance coverage declare with American Household.

The Takeaways:

  • Your telephone’s digicam is essentially the most useful instrument you have got 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 provide help to find the opposite get together if you happen to didn’t get insurance coverage particulars
  • American Household’s app is the quickest strategy to add all documentation whenever you file a declare

American Household affords auto and residential, life, well being, and business insurance coverage. The corporate is a top-rated insurer and is ranked eighth amongst auto insurers in J.D. Energy rankings for total buyer satisfaction, scoring 874 out of 1000. However what documentation do you could file an auto insurance coverage declare with American Household?

Are you questioning how you can file an auto insurance coverage declare with American Household Auto Insurance coverage? It’s not a sophisticated process, but it surely’s essential to make sure you have all the required documentation whenever you begin the method. Under we checklist crucial info that American Household wants from you when submitting a declare.

Data You Must File an Auto Insurance coverage Declare With American Household

Earlier than submitting the declare, ensure you have the data beneath:

  • Date and time of the incident: The digicam in your telephone will time-stamp any pictures you’re taking on the incident scene, however remember to jot down any extra particulars.
  • A radical description of what occurred: Take pictures of the situation of the accident, skid marks, harm to automobiles or property, any intersections and street indicators, and street situations 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 could file a police report after an accident? If it’s a small accident, the police officer in attendance might not need to file an accident report. Nevertheless, even when they refuse to take action, you must insist. This report is usually a huge assist in processing your declare. As well as, insurance coverage corporations may not take your declare significantly if there isn’t any report from the police, they usually may have it to find out fault.

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

You may 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. When you’ve got their license plate info, you’ll be able to file a police report to trace them down and get their insurance coverage info. With out their info, your insurance coverage will probably have to cowl your prices. This may enhance the speed even when the accident wasn’t your fault. 

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

The quickest strategy to file a declare with American Household is thru the MyAmFam app. Alternatively, you’ll be able to file a declare on-line or by calling 1-800-MYAMFAM (1-800-692-6326). Be taught 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 a sophisticated course of. In the event you preserve your head on the accident scene, take essential pictures, and get contact particulars for these on the scene, you must have the whole lot you could file the declare. A police report of the accident can also be essential, as it may be very helpful for serving to American Household decide fault and course of your declare shortly.

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What occurs after I file an auto insurance coverage declare?

After you have got filed your declare, American Household will start to evaluate your declare and assess the harm. Relying on the complexity of your declare, the corporate may assign a claims adjuster to analyze your declare additional. They are going to interview everybody concerned and seek the advice of police and hospital data. If you wish to pace up the method, you’ll be able to present a duplicate of the police report, pictures of the harm, and another official documentation associated to the incident. 

How lengthy do you have got 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 doable after the accident. Nevertheless, some states have cut-off dates set by legislation. For instance, in New York, a no-fault state, you have 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. Easy claims can take a couple of hours, whereas others might 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

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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 straightforward job whereas offering readers with correct and up-to-date info. Merriya has written articles specializing in well being, life, and auto insurance coverage.
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Laura Adams is without doubt one of the nation’s main finance, insurance coverage, and small enterprise authorities. As an award-winning creator, spokesperson, and host of the top-rated Cash Lady podcast since 2008, tens of millions of readers and listeners profit from her sensible recommendation. Her mission is to empower shoppers to reside wholesome and wealthy lives by planning for the longer term and making good cash choices. She rec…

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