Claiming Insurance After A Car Mishap
Winter is the holiday season in the US and also the unfortunate time for many car accidents. This is probably the only time when nobody thinks about car insurance, rates, premium and all that, only vacation matters to them. This is when the car insurance companies in this country remain busy thanks to the negligence of car drivers. Complications arise only after the mishap as a number of people find it difficult to file an insurance claim the right way. Though nobody wishes that you get involved in such issues but here are a few tips which may help you in such a situation.
- It is important to report the accident to the police. Always inform emergency services of whether anybody is injured irrespective of the extent of their injury. If any car damage or property damage is involved and the limit is higher than the state limit that should also be informed. This may usually cost you around $1000 in most states in US.
- Enter the details of the spot where the accident has taken place, emergency personnel involved, and the numbers of vehicles around the spot in the record book. If possible take at least a picture of the scene.
- Protect your car from another accident by keeping it out of the traffic flow and driving safely.
- If there are witnesses of the accident, note down their names, addresses and phone numbers to get their statements later.
- After the accident it is necessary to fill up a driver information exchange form. Fill it carefully providing all the information that match with the information entered by the other party.
- Contact the insurance company as soon as possible after the mishap and file your claim without making any mistakes. Always follow the insurer instructions and advice to avoid any communication gap and difficulties that may delay the entire process.
- Do not try to settle the matter without informing the police or the insurance company. This is illegal and may lead to breach of agreement between you and your car insurance company.
- Before moving the damaged car to the garage of your own choice, consult with the insurer. They may have a list of garages in your locality. It will save you from any kind of complications in future.
- If any additional damage is found which was not noticed initially at the time of repairing and the entire estimation gets changed, you should immediately get in touch with the insurer clarify who will make the payment.
- Check the car thoroughly at the garage itself after its repairs. You can bring your car back home only when you are satisfied.
- Obtain a receipt containing the details of the work done along with the total amount to be paid from the repairing shop. You may have to produce it to the insurance company later to submit your claim.
Keep in mind that every car insurance company has their own set of rules which they strictly follow. It is also expected that car owners should also follow the rules to avoid any complications with the insurance company as well.