by Levi Quinn
A car accident can be a scary time in anyone's life. Even if the
damage is minimal there is a police report to file, the other
driver to deal with and an auto insurance claim to file. If it
is your first accident you may find yourself overwhelmed and
unsure what to do first. Fortunately filing a claim is a step by
step process that is relatively simple to learn and understand.
The success of your auto insurance claim will be determined by
many factors. What you say and do at the scene of the accident,
the completeness and accuracy of the police report, the accuracy
of information that you receive from the other driver and the
speed with which you make the insurance report can all affect
your ultimate claim results.
At the Scene Never admit fault. In most jurisdictions "relative
fault" comes into play for insurance purposes. Even if you
clearly did something wrong, the other driver is obligated to
try to avoid hitting you. If he did not do everything possible
to avoid the accident then he may be partially at fault.
Relative fault is complicated and best left to experts to
determine. Simply stick to the facts and be honest but avoid
discussions of fault.
Make sure to get the other driver's full name, vehicle
information and complete insurance information, as well as a
contact number. Insist on a police report even if there is only
minor damage. Write a statement for your own records at the
scene if possible or as soon as you get home.
Report the accident to your auto insurance company immediately.
You will need to fill out a variety of forms which will serve as
the primary document by which your claim will be settled. Be
sure to call your insurance agent and ask any questions that you
may have. The insurance company may also request copies of the
other driver's insurance information as well as the police
report. The next steps will be determined by your insurance
company's normal procedures, the type of insurance you have, and
the insurer's determination of fault.
If the other driver is determined to be at fault then his
insurance company may offer you a quick settlement, especially
if you were injured. Take time to review the settlement offer
and if possible, have an attorney look it over. You will need to
make the determination as to whether the offer is fair and
reasonable. Your other option is a lawsuit, which can be costly
and time consuming. Only you and your attorney can decide which
choice is right for you.
A car accident and the aftermath of paperwork can be a scary
time. It is easy to become overwhelmed. Following the above tips
and asking questions as needed however, will help you learn the
process of filing your claim. You can be successful.
About the author:
Find the best deal on the auto insurance coverage you need. For money-saving tips, information about auto gap insurance, and other helpful car insurance advice, visit AutoInsuranceRatesDirect.com today.
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2 comments:
Recently I had an accident and I was not at fault but my car broke down. When I asked my agent for claim first he blamed me that it was my fault and then denies to pay out the claim by saying that its not covered. What to do now please suggest me.
Recently I had an accident and I was not at fault but my car broke down. When I asked my agent for claim first he blamed me that it was my fault and then denies to pay out the claim by saying that its not covered. What to do now please suggest me.
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