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3 Easy Steps on Claiming Car Insurance in Los Angeles

Most people buy car insurance in Los Angeles in order to have a backup support in case of emergency. However, not everyone is aware of the claim process. It is important to be aware of how to claim your car insurance policy even before you apply for car insurance. Many companies offer cheap car insurance, but have complicated procedures before you could claim your money. There are different claiming processes depending on the car insurance policy you applied.

There is a separate procedure to claim LA car insurance in case of theft, or in case of claiming for repairs when your car has been involved in an accident. Although many companies say that filing an insurance claim is an easy process, it could honestly take time. The car insurance companies make sure that all the submitted documents are legally verified.

The requirements for various kinds of car insurance claims differ. However, there are the common documents asked when filing car insurance claim.

•             Policy Copy

•             Copy of Vehicle Registration

•             Claim form duly signed by the insured

•             Copy of Driving License

If you want to file an auto insurance claim in Los Angeles, you can visit the company’s website or in their office to ask for claims form. There are different forms for different cases, such accidental claim form, theft case form and more.

For claiming in case of accidents, in addition to the above-mentioned documents, you need to submit the following:

•             Original invoice of the cost of repairs or its receipt

•             The copy of the police report filed in case of accident

•             The original estimate given to you as the cost of repair

In case of theft, you need to submit the following:

•             Copy of vehicle registration, along with the original keys of the vehicle

•             The copy of the police report filed.

•             Original certificate from the police, for non- traceability of your vehicle

•             Indemnity bonds

•             DMV transfer papers that have been signed

For damage caused to another party, you have to submit, along with the aforementioned documents, the first information report filed.

Most companies require these to be submitted, along with the claims form. Once this has been submitted, the company does a thorough verification of the documents submitted. As soon as the verification is done, your claims may or may not be granted. This process takes around 2-3 weeks, depending on the claims form submitted and the purpose of claiming the insurance. When your claims are granted, you need to go to the company’s office to collect your compensation cheque. Alternatively, the cheque may be mailed to your address or the money may be directly transferred to your bank account.

It is advisable, that before you decide to buy your LA car insurance plan, you should carefully look into the claims section of the policy. In case you find the process complicated or confusing, either clarify it with the car insurance company or abstain from buying it.