Helpful agents are standing by: (317) 333-7458
Press play below to listen to our audio commercial:

How To File Car insurance Claim in Indianapolis for Your Damaged Vehicle

However, the question that arises in many peoples’ minds is that does a person need to pay an amount of cash when their car is damaged in an accident and they file a car insurance claim in Indianapolis? You just might be able to find out!

Accidents occur every day in which many are harmed and properties are damaged. Since accident rates increase day by day, it is very advisable to get auto insurance in Indianapolis. Having you car insured relieves a lot of stress during fatal road incidents. It helps the car owner carry the burden of covering for all the damages done. For this, making filing insurance claims is the proper procedure to be done. Still, covering for the damaged cars and filing claims also requires amount of cash.

The sum to be paid for totally or partially damaged car and for filing insurance claim is known as “excess”. There is a standard excess which differs from an insurance company to another. You can also pay for “voluntary” excess. Paying voluntary excess means you pay an amount more than the standard excess. It may be a burden, but it could fruit good results too. The premiums for auto insurance in Indianapolis will decrease by paying a decent amount of voluntary excess. It also entitles the policy holder a place in the insurance company’s “good books”.

If a person needs to pay excess when filing an insurance claim in case their car is damaged in the accident, there are certain procedures that must be followed. When one files for an insurance claim in IN, an appointment will be scheduled for the car to be checked. The insurance company’s “adjuster” negotiates and estimates the amount of cash required to fix the car. Then amount required is decided and must be agreed upon by both the company and claimer. Coverage for damaged cars does not have standard amount for all insurance companies that is why it may vary. It’s possible that the owner of the car have to make contribution in the cost with the rest of it will be taken care by the insurance company. After this, all you have to do is to wait for your car to get fixed.

To compare excess amounts and insurance claim processing time periods, simply enter your ZIP postal code on this webpage now.