How to File an Auto Insurance Claim with Village Insurance in Georgia

Getting into a car accident is stressful enough without having to deal with filing an insurance claim afterward. Fortunately, Village Insurance aims to make the claims process as smooth and straightforward as possible for their Georgia auto insurance customers.

Village Insurance provides auto insurance policies to residents across multiple states, including Georgia. If you have a Village Insurance auto policy and need to file a claim in Georgia, this guide will walk you through the step-by-step process.

Who is Village Insurance?

Village Insurance is an independent insurance agency founded in 1976 in Ohio. They provide personalized insurance policies from top national carriers like Safeco, Travelers, Progressive, and more.

Today, Village Insurance serves customers across 13 states, including Georgia. They offer auto, home, business, life, and umbrella insurance products.

Village Insurance sets themselves apart by building lasting relationships with each customer through excellent service. Their goal is to find you the right insurance coverage at the best price.

How to File an Auto Claim with Village Insurance in Georgia

Follow these steps if you need to file an auto insurance claim on your Village Insurance policy in Georgia:

1. Report the Accident

First things first – make sure to report any accident to the police, even if it seems minor. Ask the police officer at the scene for their name and badge number for your records.

You’ll also want to exchange insurance and contact information with the other driver(s) involved and any witnesses. Document the time, date, location, road conditions, vehicle damage, injuries, and other accident details for the insurance claim.

2. Seek Medical Attention

If anyone involved in the accident is injured, seek medical care right away. This creates a record of the injury and treatment required. For major injuries, you may need to file a personal injury protection (PIP) claim with your insurer.

Make sure to get copies of all medical records, bills, and reports to submit with your claim.

3. Call Village Insurance to Report the Claim

Contact Village Insurance to report the claim as soon as possible after the accident. Be prepared to provide basic information like:

• Your name, contact details, and policy number
• Date, time, and location of accident
• Other vehicles/drivers involved
• Brief description of what happened
• Police report case number (if filed)
• Any injuries or vehicle damage

Village Insurance will walk you through the next steps once they have the initial details.

4. Have Your Car Evaluated

You’ll need to bring your vehicle to an auto repair shop approved by your insurance company for an estimate of repair costs. Village Insurance can help refer you to repair shops in their network.

Ask the shop to itemize all repair work needed and related costs. Be sure to get copies of the repair estimate for your claim.

5. Submit the Claim Forms

Village Insurance will provide the necessary claim forms for you to complete and return with documentation.

Gather details like:

• Accident report from police
• Contact information for others involved
• Photos/videos from the accident scene
• Repair estimates
• Medical reports and bills
• Eyewitness statements

Submit all claim forms and supporting documents to Village Insurance as soon as possible. This kicks off the official review and settlement process.

6. Cooperate with the Investigation

The insurance company will investigate the claim. You may need to provide recorded statements about the accident. Respond promptly to inquiries and share any additional information requested.

If the claim is disputed, be prepared to argue your side with evidence like police reports, witness statements, photos proving who was at fault, etc.

7. Receive the Claim Settlement

Once Village Insurance completes their review, they will issue a claim settlement outlining approved payout details.

For property damage claims, you can opt to have Village:

• Pay you directly so you can coordinate repairs
• Pay the repair shop directly
• Provide a rental car while your vehicle is repaired

If injuries are involved, the settlement may include medical payments reimbursement. Review the offer carefully before accepting.

8. Complete Repairs and Close the Claim

Finally, use the claim payment to complete any necessary repairs or medical treatment. Provide copies of invoices and records to Village Insurance.

Once everything is taken care of, Village Insurance will close out the claim. Be sure to ask any final questions about the settlement!

Tips for Filing Your Village Auto Claim in Georgia

Keep these tips in mind during the auto insurance claims process:

• Act quickly – report the claim and seek treatment as soon as possible after the accident. Delays can complicate the process.

• Keep thorough documentation – have complete records from the scene, all damage, repairs, injuries and expenses. The more evidence you have, the smoother the process.

• Cooperate fully – respond promptly to all carrier requests and supply any additional information needed for claim investigation. Non-cooperation can delay or jeopardize your claim.

• Understand your coverage – know what your Village policy does and does not cover for accident-related repairs, injuries, etc. Ask your agent with any questions.

• Avoid admitting fault – don’t say you were at fault or apologize unless you’re certain. Let the insurance investigation make that determination.

• Consider hiring an attorney – for severe injuries or major disputes with the insurer, consulting a legal professional can be beneficial.

How to Prevent Auto Insurance Claims

While quality insurance is crucial for protection after an accident, prevention is ideal. Here are some driving and auto insurance tips to help avoid claims in the first place:

• Maintain your vehicle with routine maintenance, repairs, and inspections to keep it in top shape.

• Upgrade safety features like air bags, anti-lock brakes and traction control.

• Take a defensive driving course to sharpen accident avoidance skills.

• Reduce distracted driving by putting phones away and focusing fully on the road.

• Follow all traffic laws and speed limits.

• Avoid adverse weather and road conditions when possible.

• Raise your deductible to lower your premiums.

• Ask about low mileage, good student, and other discounts from Village Insurance.

• Inquire about bundling policies for additional discounts.

Get Affordable Georgia Auto Insurance from Village

Finding flexible and affordable car insurance in Georgia can be a challenge. Village Insurance aims to make it easy by offering customized auto insurance backed by knowledgeable local agents.

Village Insurance shops among top national carriers like Progressive, Travelers, Safeco, Liberty Mutual, and more. They compare quotes to find you the best rate for your specific needs.

Rather than a one-size-fits-all approach, Village Insurance gets to know you and tailors coverage around your unique situation. Their personalized touch ensures you get optimal protection.

Village Insurance also makes the claims process smooth and efficient for Georgia drivers. If an accident happens, you can feel confident in their responsive claims service.

Call Village Insurance at (440) 871-8400 or visit them online at www.village.insure to get an affordable Georgia auto insurance quote today!