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Auto insurance can be expensive to maintain. Once an accident occurs though, that is the time to make the most of it. Remember that for an insurance settlement to work, there is a certain procedure that needs to be followed. The first thing to do is to notify your insurance company of the accident. It’s generally a good idea to save the provided toll-free number of your insurer so that you can contact them even at the scene of the accident. Try to have the policy number on hand, as well as the driver’s name, and the year and make of the automobile involved. The police officer at the scene will provide you with a report number that you also need to give to your insurance company. Once you have filed your claim, the auto insurance company will send out an adjuster whose job it is to either authorize repairs or decide that the vehicle should be totaled if the cost of repair exceeds the value of the vehicle itself. If a claim for repairs has been approved, you will need to provide an estimate. Deciding on an approved facility to the work for you will most likely require you to have only that one estimate.

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