Handle Your Auto Accident Claim
It is possible you could be involved in an auto accident at any time or place, so you should always be prepared. As motor vehicle accidents are quite frequent, having an insurance cover is more of a requirement than an advantage. If you are involved in a car accident and you don't have insurance, you will be fined heavily. Not only that there is a good chance that you will have to pay for any damage the injured person might have sustained during the accident yourself. These costs can be quite high.
Steps
- The first thing you should do is call your insurance company.
- If the accident is minor and you are coherent, you should gather information in the form of photos, contact information of all those who were involved, and details of the accident including the weather conditions and the traffic light signals.
- After the accident, you should see a doctor who would treat your wounds as well as diagnose if any further treatment is needed. Remember to get a detailed report from the doctor as this will form the basis of your claim.
- You should check your policy to see if the injury you have sustained is covered by your insurance policy.
- Make note of all the conversations that happens between you and your insurance company. These include dates and agreements. You should also note the name and designation of the person you are talking to as well as who their supervisors are.
- Keep all the records concerning your injury as well as insurance claims with you till the final settlement has been reached.
- Be honest and not conceal any information from your insurance company no matter how small or embarrassing it might appear to you. The reason for this is that it can invalidate your policy.
- Know the difference between depreciated or replacement coverage. This is important. Don't accept actual depreciated value when your policy has provisions for replacement.
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