How To Fill an auto insurance claim ? - Here's the Guide to Filing a Car Accident Claim
After an accident has damaged your vehicle and caused injury to yourself or passengers, you do not want to find yourself scrambling to figure out what needs to be done to file a proper claim auto insurance claim. You need to know your rights as a policy holder. Following the right steps can help ensure that property and bodily injury costs are reimbursed.
Follow these steps if you are in an accident:
Call the police from the scene: After an accident if anyone has sustained serious injury, call 911. If no one is seriously injured call the police to the scene to take an incident report.
Exchange information with the other driver: If no one is seriously injured, exchange information with the other driver. Be sure to get license plate and auto insurance information. In some instances the police may prefer to do this for you.
Look for witnesses and get their information: See if there are any witnesses to the accident and ask them to remain until the police can speak to them.
Get immediate medical examination or attention for injuries: Even if you have not had to call an ambulance, you may have sustained costly injuries without being aware of it. Get and examination and medical attention as soon as possible.
Call your insurance company and let them know you were in an accident and start the claim process: If at all possible, let your insurance company know about the incident while you are at the scene. Letting them know an incident has occurred and the details of the incident can provide you with valuable information and often your claim can be started right then.
After an accident has damaged your vehicle and caused injury to yourself or passengers, you do not want to find yourself scrambling to figure out what needs to be done to file a proper claim auto insurance claim. You need to know your rights as a policy holder. Following the right steps can help ensure that property and bodily injury costs are reimbursed.
Follow these steps if you are in an accident:
Call the police from the scene: After an accident if anyone has sustained serious injury, call 911. If no one is seriously injured call the police to the scene to take an incident report.
Exchange information with the other driver: If no one is seriously injured, exchange information with the other driver. Be sure to get license plate and auto insurance information. In some instances the police may prefer to do this for you.
Look for witnesses and get their information: See if there are any witnesses to the accident and ask them to remain until the police can speak to them.
Get immediate medical examination or attention for injuries: Even if you have not had to call an ambulance, you may have sustained costly injuries without being aware of it. Get and examination and medical attention as soon as possible.
Call your insurance company and let them know you were in an accident and start the claim process: If at all possible, let your insurance company know about the incident while you are at the scene. Letting them know an incident has occurred and the details of the incident can provide you with valuable information and often your claim can be started right then.
Call the other persons insurance company to let them know of the incident and your intention to pursue a claim: Ask your own insurance agent about the regulations and details of your exact situation to determine if you should contact the persons insurance company. If your insurance agent determines you should contact the other policy issuer, do it as soon as possible.
Write down a version of the events while it is fresh in your head: Try to have details written down as soon after the accident as possible and use that text as a reference when insurance companies, adjusters or any legal professionals involved contact you.
Meet with an adjuster: To complete any claim you will be asked to meet with an adjuster who will examine the vehicle and possibly your injuries and receipts from associated costs in order to determine the validity and amount of reimbursement for a claim. If someone else is at fault you may be asked to meet with both their insurance companies adjuster and your own.
If your own insurance company does not offer an acceptable reimbursement: If the reimbursement you are offered does not cover your costs, you can ask for arbitration and try to negotiate a different settlement. If reimbursement from the other party’s insurance company is not acceptable, you will have to consider legal action.
Write down a version of the events while it is fresh in your head: Try to have details written down as soon after the accident as possible and use that text as a reference when insurance companies, adjusters or any legal professionals involved contact you.
Meet with an adjuster: To complete any claim you will be asked to meet with an adjuster who will examine the vehicle and possibly your injuries and receipts from associated costs in order to determine the validity and amount of reimbursement for a claim. If someone else is at fault you may be asked to meet with both their insurance companies adjuster and your own.
If your own insurance company does not offer an acceptable reimbursement: If the reimbursement you are offered does not cover your costs, you can ask for arbitration and try to negotiate a different settlement. If reimbursement from the other party’s insurance company is not acceptable, you will have to consider legal action.
Không có nhận xét nào:
Đăng nhận xét