Auto accidents are never planned events, and they often occur at the most inconvenient times. While dealing with a car collision is never easy, knowing which steps to take immediately can make dealing with your guarnatee claim easier down the road. What you do immediately after an urgency can have a essential impact on how much your guarnatee claim is paid as well as your future guarnatee rates. An foremost part of handling your auto collision is knowing how to safe yourself legally in order to get the most out of your guarnatee claim.
Don't leave the scene. Keep Calm. Do not argue, accuse anything or make any admission of blame for the accident. If vehicles are operable, move them to the shoulder of the road and out of the way of oncoming traffic.
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Call 911. For major accidents this goes without saying, but for minor car collisions, calling 911 may not be as obvious. Any curative issues - even minor ones - need to be addressed immediately, but it's also foremost to get a police officer on the scene of the urgency as soon as possible. Calling 911 is the fastest way to make sure both parties are attended to medically as well as legally.
Get the other party's taste information. Regardless of which party was at fault, you will both need one another's taste and guarnatee information in order for both of you to file your guarnatee claims. Which party's guarnatee carrier you pick to file a claim straight through depends on what type of collision guarnatee you both have. If the other party has insufficient liability, you will have no option but to file a claim straight through your own guarnatee carrier.
Record any third party witnesses. Similar to obtaining a police report, obtaining the article of a third party witness to the urgency can bolster your case if you pick to dispute the guarnatee company's village amount, or if you intend to sue for damages. Look for habitancy around who saw the urgency and write down their taste information. Gain a brief written statement from them on the scene, if possible.
Have your car brought to an auto body shop. Some guarnatee associates have a "preferred auto body shops" they ask their clients to visit. You as the auto owner are under no enforcement to use the collision fix shop recommended to you by your guarnatee company; you have the right to pick your collision fix shop of choice. If you're unsure about the estimates your carrier's adored shop gives you, try shopping around to other collision fix shops to get a second or third opinion. Accredited and reputable collision fix shops often offer worthwhile value-added services, such as guarnatee claims filing assistance and free towing.
Contact your guarnatee carrier. Even if the other party was at fault, collision guarnatee claims are usually processed faster by your own guarnatee carrier. Once you taste them, they will want to appraise the damage and Gain a fix estimate. If your fix shop is helping you file your claim, they may be able to supply this information directly to the guarnatee carrier without requiring a visit from the adjuster.
Know your policy. Don't wait until after an urgency to find out that your course doesn't cover costs for towing or a change rental car. For only a few dollars a month, you can add coverage for rental car refund which provides a rental car while your car is in the fix shop.
Filing Auto Collision insurance Claims: What to Do at the accident
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