What You Need to Know About Auto Insurance Claims in Chicago?
If you are a driver in the City of Chicago, there is a good chance that you will eventually be in an accident or involved in an incident that causes damage to your vehicle. If you are ever in a car accident, a claim will need to be filed file with your auto insurance company to get financial compensation to cover the medical expenses, property damage, and vehicle repairs that are related to your accident.
What Is an Insurance Claim?
An auto insurance claim is a formal request to your insurance company for coverage or compensation for the damages and monetary losses associated with your accident. Your insurance company will investigate the validity of your claim and, if approved, issue payment. An insurance claim can cover everything, from stolen property to comprehensive medical exams.
When Should I File A Claim With My Insurer?
You need to get in contact with your car insurance company as soon as possible after you have been involved in a car collision. You can also file a claim if your vehicle is:
- Vandalized
- Stolen
- Damaged by weather or fire
You can find your insurance agent’s or insurance company's telephone number on the insurance card you are supposed to keep in your vehicle. You can also find this information online and in your policy documents.
What Are the Requirements to File a Claim?
When you speak with your insurer, you will need to provide them with the following information:
- Your full name and policy number
- The date your policy began and the date it will end
- The date and time of your accident
- The names, addresses, and phone numbers of all drivers, passengers, and witnesses involved in your accident
- The driver's license and license plate numbers for all the drivers who were in the accident
What Are the Statute of Limitations?
The statute of limitations in Illinois prevents filing a lawsuit beyond a certain time limit. Typically, the statute of limitation in Illinois for personal injuries is 2 years from the date of the incident or two from the date the negligent conduct should have been discovered. Factors such as the age or disability of the injured person may extend the limitations period, while other factors like if the defendant is a governmental entity may shorten the limitations period. Contact one of our personal injury lawyers to discuss the pertinent statute of limitations applicable to your specific claim.
Have you been injured in a car accident? Do you need help getting your accident claim approved? Call (312) 888-8700, or contact our team of Chicago car accident lawyers to schedule your free consultation today.