Illinois Insurance Claims

Car accidents can happen to even the most cautious drivers. It is not anyone’s fault, but it is a good idea to have auto insurance to protect you in the event of an accident. The state of Illinois requires all motorists to carry bodily injury and property damage liability insurance as a safety net.

If you are involved in an auto accident, you will want to file an auto insurance claim. There are two kinds of auto insurance claims in Illinois; if you file a claim with your own insurance provider, it is known as a first party claim. If you file a claim with the other person’s insurance provider, it is known as a third party claim. Depending on the amount of insurance coverage you and the other person have, you can file a claim with either or both companies at the same time.

The first thing to do if you are involved in an accident is to check for any injuries that you or any passengers in either vehicle may have incurred. Call 911 immediately for medical attention. The next thing to do is to exchange insurance information, such as policy number and company contact number. You are required to carry your insurance documents in the car at all times for emergency situations like this. Following this, exchange personal contact information and assess the damage done to your car and the other vehicle. Be as thorough as possible; filing successful auto insurance claims in Illinois requires attention to detail. Get as much information as you can about the vehicles, their models, makes and registration. You will have to submit all of this information to your insurance company as well. If needed, call a law enforcement agent and file a report with the police department.

Upon filing your claim with the company, an agent will be assigned to your case. This person will review all the available information on the accident to determine who is at fault and how much coverage should be provided to you. Normally, these processes are extremely efficient, and your claim can be completed in as quickly as a week’s time.

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Q:Can you give me some information on the Illinois law for filing auto insurance claim?

A:You will have to report the losses immediately to your insurance company. You will have to submit an acceptable proof of loss along with automobile repair bills, a copy of the police report, medical bills and bill of sale for the vehicle. In accordance with Illinois insurance laws, your insurance company will contact you within 21 working days of being notified of the loss.