Your insurance company is the best source for information on how to handle out of state insurance claims. If you were at fault, it is your obligation to inform your insurance company right away, and if you were not at fault your insurance company may be able to expedite the case settlement so you can get on with your life. For your insurance company, a claim is a claim, no matter what state it happens in.
Before you travel to another state, make sure that your coverage is valid there. Not all car insurance companies are licensed to provide coverage in all states. If your insurance company does not offer coverage for a state you are going to or traveling through, you may need to purchase a supplemental policy to cover the gaps, or consider changing your insurance provider completely. It is important that your car insurance is valid wherever you need it, so choose your insurance company with your travel plans in mind.
When an out of state claim insurance claim has to be filed, contact your insurance company and tell them what happened. The insurance company can tell you where to go to have the damage appraised, and has the resources to get you back on the road in no time. If you have rental car reimbursement, the insurance company may even be able to help you find a car quickly, so you can have transportation while yours is being repaired.
While comparing insurance companies online, use the online quotes to find the lowest car insurance rates with the best discounts. Shopping online doesnâ€™t have the pressure of trying to compare quotes in person or over the phone. You can log into the site at your leisure, or modify the quotes to see how different options and discounts would affect your cost.