What is auto car accident insurance
If you were involved i an an accident while on the road, there are steps to take to make a claim? Below are some of the highlighted key information to help you get confident about the claims process so you know the right thing to do after an auto accident.
Right Steps to Take After an Accident.
If you get involved in car accident, first, if possible, pull over or shift your vehicle to a safer location out of traffic and make sure you don’t get out of that accident scene! If you can’t move it, that’s okay. Turn off the engine of the vehicle and get out of the vehicle if you can. Then check if anyone is hurt , if everyone is safe with or without hurt, then call 911 if they need medical assistance. It is better to call the police and report the accident even if no one is seriously injured, you should call the police and report the accident.
Next, gather the correct information and all the necessary details about the accident, so that when it comes to time to file a claim and work with insurance companies you have every details written down and pictures you can use as evidence.
Keep these tips in mind:
Dos and Don’ts
- Don’t accept or place blame on the other driver. The insurance company will address that. You’ll figure all that out later with your insurance company.
- Take photos and videos of the scene, including the other driver(s) involved, license plates, any damages done to their vehicle and yours too, the direction each vehicle was traveling and traffic signs. The direction the vehicles were facing after the collision. Akl these are very important details you’ll want to have on hand when dealing with insurance and filing a claim.
- This one is extra important: Exchange and share information with the other driver. You will want to share your name and insurance company with the other driver, contact details of the other driver is important too, and get the other driver’s insurance and contact information as well. Try to capture as many details as you can by taking notes on your phone. Gather the
- Year, make, model, color of the other car
- Driver and passenger names and ages
- Exact location of the accident
- The speed you were driving
- Date and time of the accident
- Weather conditions
- Time the police arrive, as well as their name and badge number
- Road conditions
- Witnesses (get their names and contact information
Also grab the physical appearance of the other driver and what you observed like : was he drunk, was he using medicated glasses. Any physical anomaly on the other driver’s car as worn out tyre.
Need to Notify The Police
Absolutely. There is needs to notify the police right immediately . — not only in case someone is injured, but the police report will be one of the very main factors that insurance investigators make use of when assessing your claim.
Whose Insurance Do I Call After an Accident?
Usually, in simple rear-end or clear liability accidents where the at-fault driver accepts that he is at fault, you probably/ may not need to call your insurance company — unless you were at-fault. In that case, the sooner you call, the sooner your insurance provider can help you get things back to normal.
Some states are considered “no-fault” states, which implies if there is an accident, it will be your insurance that covers you up to a stipulated limit for personal injury, car damage and other related claims, such as lost wages, regardless of who was at fault for the accident. Likewise, the other driver, even if you were at fault, will be responsible for their damages and injuries.
He take care of the cost. Insurance compensation for car accidents can vary depending on your state and where you live. Do you live in a no-fault state? Check your policy for the specifics to better understand how and the extent at which you are covered.
What If the Other Driver in the Accident Doesn’t Have Insurance?
On a normal circumstances, if you get involved a car accident, the at-fault driver’s insurance pays for the damages and injuries.
But what if they are not insured?
That makes things a little more complicated, but here’s what you should know. Almost every state legally requires you to have the minimum amounts of specific car insurance coverages so driving without car insurance for any period of time is considered illegal if is against the law. But that does not mean people do not do it.
That’s why uninsured and underinsured motorist coverage is so important. If you get hit by a driver who has no insurance or not enough liability coverage, your uninsured or underinsured insurance will kick in and help you cover your medical expenses. However, You do have the option to press charges against the driver and take them to small claims court.
However, it might cost you more time and money to take them to court, so while it may not be that ideal that your insurance company has to cover the liability penalties for an accident you did not cause (your collision coverage would cover damages to the car), that’s what these two uninsured and underinsured motorist coverage is for it is a safety net for unfortunate instances like these. Also, put into consideration the consequences if you don’t have car insurance in a state that really requires it with great seriousness.
- If you base the one at fault, not only will you be paying out of your pocket for any medical cost or damages to your vehicle, but also, you’ll be responsible for paying for the other driver’s injuries and damages as well.
- You could be dragged to court by the other party for damage and injuries you caused them.
- You could be presented with a ticket, face jail time and potentially lose your license and registration.
- You may find bit difficult to see affordable car insurance rates if you eventually do shop for a policy.
What Do I Need to File a Claim After an Accident?
These bullet points are very Important.
- Policy number, which can be found on your insurance card
- Date, time and location of the accident
- Detailed description of how the accident occurred
- Insurance and contact info of the other party involved
- Name of the police department involved and the police report number
- Pictures of the accident scene.
This is when you will use all that information you gathered right after the accident and why it’s so important to write them down as many details as you can. Until fault is determined, your insurance company will cover the cost for repairs and injuries — as long as you have the appropriate minimum coverage, like collision or medical expense coverage. Make sure you keep the following in mind when getting repairs:
- There may be need to take your car to one of your car insurance company’s approved body shops for repairs, but you can get an estimate at any body shop. Check with your agent before committing your car to any shop or repairer, so you will be sure that your insurance company will reimburse you.
- Your adjustor (the person in charge of investigating your claim) may have you compare different quotes at several shops of your choice to get a better price If you choose your own repair shop, you might have to pay for the difference in price between the shop’s estimate and what your insurer decides is a fair price.If your claim includes medical expenses from injuries that you or your passengers sustained in the accident, you’ll need to keep the medical receipts, medical report and deliver copies of them to your claims adjuster for evidence and reimbursement.
How Do I File an Insurance Claim After an Accident?
Collisions can be stressful and very troublesome, and it can be difficult to know what to do or how to file a claim after a car accident. Usually, the process is pretty clear-cut: To file a claim, just put a call across to your insurance company. They will typically walk you through the process and ask you for all the details of the aforementioned information.
Once your claim is filed, a claim representative or investigator will contact you to go through your claim and the process to follow. They’ll review your claim and work with you to ensure accuracy in evaluating your claim. Finally, they’ll assess your claim and try to complete it as quickly as possible as they can.
What If I Want to Make a Claim but Don’t Have a Police Report?
You can still file a claim even in a situation where you don’t have a police report. It will just take a little more work and it may take longer time to process. Any of the following information will be helpful when filing a claim without a police report:
- Pictures of the accident scene and damage to the vehicle
- Statements of the parties involved, also that of the third party
- Eyewitness statements
- The weather and road conditions at the location of the accident
How Long Do I Have to File a Claim?
You will want to get the claims process rolling as soon as possible when you are involved in an accident, so filing a claim should be done immediately. Usually, the state statute of limitations is only two to three years, but some insurance companies may only pay the costs of repairs for the year in which the accident occurred.
Putting it off is not in your best interest since the longer you wait, the harder it may be to track down other people involved in the accident for interviews, details or other research related to the claim that will help your case.
File the claim right away or at least contact your insurance agent as soon as possible that you can after the accident.
How Does a Car Insurance Claim Work After an Accident?
Once your claim is filed, your company will assign a claims adjuster to investigate your case. The adjustor or investigator may do a number of things:
- Review authenticity of the police report.
- Interview other parties involved and witnesses at the scene.
- Visit the scene of the accident.
- Inspect your car for damages and take pictures of your car.
- Probably ask you to sign a medical release form so they can look at your records.
- Contact any expert medical providers to gather information in regard to your injury expenses.
- Go through medical records, bills and proof of wage loss.
- In some cases, they may also look into your social media accounts to corroborate any of the details you provided.
- The adjuster will interview you for your side of the story.
- The adjuster will also determine who is at fault from his investigation and
- determine how much each party will pay.