Before contact an insurance company: What if I& 39;m involved in an accident or need to make an insurance claim?
Accidents are almost always unexpected and very stressful. It is important to maintain calm as possible.
Being prepared as in the case of an accident is also important. Maintain an emergency kit in your trunk or under a seat with a set of collapsible cones, warning triangles or emergency flares. Make sure you also have a pen and a card with medical information relevant to you and your family. Keep a disposable camera in hand to take photographs, especially one that has a flash if the accident is at night. Most disposable cameras are quite durable and can survive the heat of a car, especially if stored away from direct sunlight. Replace every two years to ensure that cinema is fresh.
What right to do after a car accident:
Stay calm as possible.
Call the police immediately. It will write a report which will have a police report number you need.
Check for injuries. The life and health are more important than damage to vehicles. If in doubt, call a ambulance.
If an accident is minor and no serious injuries, most states will allow their vehicles to a safe place, rather than risk being in the movement of traffic . Check your statements laws.
Turn on hazard lights. If warranted, and possible, use cones, warning triangles or flares to safety. Turn off the engine so that not a risk sparking immediate fire.
Make notes on the accident, including damage to all vehicles involved. If the name on the registration of cars and / or insurance policy is different from the name of the driver, establish the relationship and write it down. Obtain information from witnesses, if possible, too. Exchange information with the other party. Names, phone numbers, insurance policy information, tag numbers, VIN numbers and make vehicle.
Do not sign any document unless a police officer asks you to sign a ticket.
Be polite But never say no other drivers or police that the accident was his fault, even if you think it is. Similarly, not accuse others of being guilty drivers at this time. It is only prudent to point out the facts. Limit the discussion of the accident to the insurance agent and police.
If you have a camera handy, and it is safe to do so, it may be useful for photographing the accident scene. You want to get pictures of cars involved, the people, and especially the damage before it is removed from the scene. Photos of skid marks or railings or other objects that were part of accidents are also useful.
If possible, do not leave the accident scene before police and other drivers do.
Lastly, remember that to get the facts is very important, the accident investigation should be left to police officers and insurance companies.
Do not accept offers to settle for payment on the ground without careful consideration. You may be responsible later for the same damages.
What do I do if I am involved in an accident or have to make a claim after contacting the insurance company?
All insurance companies have different policies and procedures for filing an accident. Check with your insurance company and the correct application steps.
How do I get an estimate done to my vehicle?
Once the insurance company has information on the accident, including a police report, an appointment with a field or an evaluator Direct Auto Body Repair Shop for writing repair estimate.
If the accident or claim is not my fault, do I do to go through my insurance company or other person of the insurance company?
Report the accident to your insurance company or immediately before a deadline set by its policy along a copy of any police reports or documents. Then inform the other company.
Typically each insurance company will have its own way to handle a complaint. Most often, if not your fault, the other insurance company the claim process. Just to keep on top of them to ensure their case is being handled promptly and for satisfaction.
That closes the first part of this series, 3. I hope you find good information to help you understand the process of getting a vehicle repaired after an insurance claim.
Sincerely yours, Jake Maxwell
Jake began his automotive career working for a small town auto repair shop in the South East. After working there for nearly a decade, decided to try his hand on the other side of the coin and got a job as an auto appraiser for a large insurance company. Using experience from both sides, he understands not only the needs of consumers, but the auto body shops and insurance companies. It is a love triangle with many complex problems. Visit her blog for the complete series and more resources to www.autobodyfaq.com.
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