Reporting Auto Insurance Claims O Fallon MO

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

Premiere Management Group/The Lindbergh Bistro
314-781-9802
4530 North Lindbergh
Bridgeton, MO
877 My Insurance
314-368-9125
14575 Manchester Rd
Manchester, MO
Alternatives Insurance Agency
(636) 978-7260
206 W Terra Ln Ste B
O Fallon, MO
State Farm Agent Ins
(636) 978-4800
2009 Highway K
O Fallon, MO
Auto-Owners Insurance Co
(573) 875-1290
320 Campusview Dr Ste 104
Columbia, MO
Brooke Auto Insurance
(816) 753-7599
3365 Main St
Kansas City, MO
AAA
(636) 946-2229
1032 Country Club Rd
Saint Charles, MO
Allstate Insurance Companies
(417) 883-4244
1525 E Republic Rd
Springfield, MO
Allstate Insurance Companies
(636) 949-5999
1388 S 5th St
Saint Charles, MO
Alternatives Insurance Agency
(636) 462-1778
502 E Cherry St
Troy, MO

Reporting Auto Insurance Claims

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

Premiere Management Group/The Lindbergh Bistro

314-781-9802
4530 North Lindbergh
Bridgeton, MO
http://www.thelindbergbistro.com

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