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Submitting an Auto Insurance Claim: A Comprehensive Tutorial for Cyclists and Drivers

Submitting an Auto Insurance Claim: A Comprehensive Tutorial for Cyclists and Drivers

May 17, 2023

Car Insurance

Getting into an auto accident can be a stressful and overwhelming experience. Not only do you have to deal with the damage to your vehicle, but you also have to file an auto insurance claim. Knowing the basics of auto insurance claims can help make the process smoother and less daunting. In this blog, we'll discuss what you need to know about filing an auto insurance claim.

Basics to Know About Filing an Auto Insurance Claim

Here’s what you need to know before filing an auto insurance claim:

  • Cyclists and Pedestrians Are Entitled to No-Fault Benefits: If you are a cyclist or pedestrian who was hit by a motor vehicle, you may be entitled to no-fault benefits, which can include medical expenses, lost wages, and other related costs. Contact your insurance provider to determine what benefits you may be eligible for.

  • Notify All Potentially Responsible Parties: If the accident was caused by another driver, you should exchange insurance information and notify their insurance provider of the accident. If there were any witnesses, get their contact information as well. Notify your own insurance provider as soon as possible, even if the accident was not your fault.

  • MVAIC Claims: If you were hit by an uninsured or underinsured driver, you might be able to file a claim with the Motor Vehicle Accident Indemnification Corporation (MVAIC) to help cover your damages.

  • Filing a Liability Claim: If you were at fault for the accident, you'd need to file a liability claim with your insurance provider. Provide them with all the necessary information, such as the police report and contact information for the other driver and any witnesses.

  • Crashes Elsewhere: If you were involved in an accident outside of your home state or even outside of the country, contact your insurance provider to determine what steps you need to take to file a claim.

  • No Information on No-Fault: No-Fault insurance laws vary by state, and some states require drivers to carry no-fault insurance coverage. If you live in a no-fault state, you'll need to contact your insurance provider to determine what benefits you may be eligible for.

Learn More About Filing an Auto Insurance Claim with Kneller Insurance Agency

Filing an auto insurance claim can be confusing and time-consuming, but with the help of an experienced insurance agency like Kneller Insurance Agency, you can navigate the process with ease. We offer a wide range of insurance products, including auto, home, and life insurance. Contact us today to learn how we can help you file an auto insurance claim.

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