Getting into a car accident is one of the most stressful situations imaginable. If you find yourself in the unfortunate situation of being in an auto collision or accident, you will likely be required to file a claim, particularly if injuries and car damages are involved. It is best to be prepared ahead of time, and know exactly what the process of filing a claim entails.
If you damage your vehicle in a collision or other accident to the point that you are not able to drive it, then you must file a claim with your insurance company and possibly the other motorist’s insurance company. If an accident is serious enough to cause injury to you or another driver, then you may need to seek legal advice. When you file a claim, you should always be wary of insurance fraud.
The most important thing to remember when getting into an accident is to remain calm, and wait for help to come if you are injured. Once you have determined that you and the other driver have not been physically harmed, you can start to process what you need to do in order to file a claim. Here are some important things to remember before and during the time you file a claim:
1. Do Not Assume Responsibility: Never assume that you are responsible for an accident. You should always
2. Understand Your Policy: You don’t need to know every detail of your insurance policy, but you should have a good idea of where you stand if you get into an accident. You should have your insurance information on hand in case the other driver asks to see it, and you should always ask for their information as well.
3. Seek Medical Attention: Just because you feel fine at the time of the accident, that doesn’t mean that you will continue to feel fine in the days and weeks that follow. Many times, you will notice aches and pains after the fact, and by then it may be more difficult to file a claim. It is always best to be examined by a physician after the accident.
4. File a Claim as Soon as Possible: This is one of the most important steps to remember. When at the scene of the accident, make sure that you take down all the information belonging to the other driver, including name, insurance company, etc. At your earliest convenience, give this information to your insurance agent. Many times, they will file the claim for you after receiving all the necessary information. Other times, they will tell you how to file a claim yourself.
5. Be Honest: If you lie about anything that happened in the accident, and your insurance company finds out, you may be denied your claim. Furthermore, they may cancel your insurance policy all together.
After your accident, your insurance company may want to use their own claims adjuster to assess the damage done to your vehicle. Other times, you may use your own. Always make sure to check with your insurance company before calling your own adjuster, and never take your car to get repaired before it has been assessed by an adjuster.
After you have assessed your car’s damage, you may have to send it to a repair shop that is approved by your insurance policy. Always make sure to hold on to any receipts you accrue for the repair of your car.
Besides seeking medical attention and writing down the information of the other driver, the most important thing to remember when involved in an accident is to contact your insurance company as soon as possible.