Reporting Auto Insurance Claims Michigan

There are two types of car insurance claims: a collision claim and a comprehensive claim. In this article, you’ll learn more about these types of insurance claims and how to contact an agent.

Local Companies

Farmers Insurance Group
734-459-9600
859 S Main St
Detroit, MI
J Douglas Mercer Insurance Agency Inc
810-714-0370
3130 Silver Lake Rd
Fenton, MI
American Heritage Insurance and Financial Services
313-341-2726
2405 W Mcnichols Rd
Detroit, MI
Camelot Insurance Agency
313-341-1566
11000 W Mcnichols Rd
Detroit, MI
Gerald J. Stanley and Associates, Inc.
313-381-7000
5133 Allen Rd.
Allen Park, MI
Dencap Dental Plans
313-972-1400
45 E Milwaukee Avenue
Detroit, MI
A R Bibb & Associates Insurance Agency
313-891-3668
11612 Joseph Campau St
Detroit, MI
AAA Insurance
313-824-4162
11022 E Jefferson Ave
Detroit, MI
Fender Bender Auto Insurance
313-371-1160
14409 Linnhurst St
Detroit, MI
Goldfarb Bonding Agency
313-961-4646
1401 Beaubien St
Detroit, MI

There are two common types of car insurance claims that can be reported for damage to the vehicle that you own.

  1. Collision Claim - A collision claim is a claim for damage to the vehicle that you insure caused by a collision. The collision may have been with any object and is not limited to multiple car accidents. Collision claims include solo car accidents in which the driver may have hit a building, light post or any other object.

  2. Comprehensive Claim - A comprehensive claim is for any damage to your vehicle not caused by a collision. Frequently, comprehensive claims are made for theft or vandalism damage. Other Comprehensive Claims include fire damage and flood. Damage caused by impact with an animal is usually also considered a Comprehensive claim.

If you suffer damage to your vehicle, you will need to contact your insurance carrier in order to start the claims process. Most carriers offer the following methods to report a claim.

  1. Contact Your Agent - The majority of insurance carriers sell policies through Agents. The Agent is a brick and mortar business that solicits business on behalf of an insurance company. They operate as your point of contact and you can contact your Agent in order to file the claim. They will ask you for the facts of the loss and details on your damages, at which time they will submit a claim form to the insurance carrier for further review.

  2. Contact the Insurance Company by phone - If desired, you can skip contacting your Agent and you can call the insurance company directly. Most carriers place their phone numbers on your bills, proof of insurance cards and websites, so you can easily contact them in case of a loss or damage to your vehicle.

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Author: Brad Halvorsen

Featured Local Company

Farmers Insurance Group

734-459-9600
859 S Main St
Detroit, MI
http://www.michiganinsurancegroup.net

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