Most people put much of their attention into buying their car than when it comes to getting adequate auto insurance coverage. Even though the second one plays a crucial role in their safety and compensation in the unfortunate case of an accident, it is mainly disregarded or, better yet, not well understood.
As a result, in the occurrence of an accident, the lack of the necessary insight and the confusing nature of the accident leaves them vulnerable to doing things that will negate their insurance claim.
Auto insurance claims involve complex issues, but the insurance companies also make it difficult for victims to get the compensation they deserve. Therefore, this article will highlight the dos and don’ts that you should be aware of in case of an accident.
Do’s
1. File a Police Report
The first and essential rule is to file a report with the necessary authorities about the accident. The First Information Report is vital while filing a claim as it is used while processing the claim. Whether severe or not, ensure that you get the accident reported in the outlined timeline depending on the state that you are in. The report will help the insured gauge the situation better. However, if an officer is present at the accident, you do not need to do additional reporting.
2. Get in Touch with Your Insurer
As technology advances, raising a claim has become more accessible; hence you do not have to rely on the insurance agent. You should call the insurer’s customer care service as soon as possible to notify them of the accident. This step will also help you understand the insurance claim process they follow on inquiry.
3. Be Careful While Filing Forms
Although you might be disoriented and shaken from the accident, it is crucial to ensure that all the information you put down on the claim form is correct. It involves information such as the insured car details, credentials, and policy details. A simple mistake can cause problems for your claim.
4. Gather as Many Details as Possible
After the accident has occurred, it is essential to collect as much data about the accident as possible as it helps the insurance company follow up on your claim. With the ease of access to the required information, your insurer will have all they need due to your help. Therefore, your main goal should be to collect information such as the other driver’s contact and insurance information, police report number, witness information, and pictures of the accident that will be crucial proof to support your claim.
5. Understand Your Insurance Policy
When dealing with your insurance company, car accident attorneys will help you understand the types of coverages that they offer. You can also closely review your insurance policy on your own and understand it. But the recommendation is to consult a law professional.
Don’ts
1. Don’t Make On-the-Spot Settlements
In the occurrence of an accident, most third-party insurance companies will try to trick you into making on-the-spot settlements. Apart from the settlement being legally binding, it could also be considerably less than the cost of fixing the damages caused. Therefore, it is always advisable to decline any offers until you have a professional Insurance company at hand.
2. Don’t Be Dishonest in Your Claim
Insurance companies will only honor a genuine claim. If your claim is detected as fraudulent, it will be deemed soiled. Therefore, it is advisable to be upfront about the location and nature of the as you file your claim.
3. Don’t Assign or Admit fault
Whether speaking to the police officers, another driver, or an insurance adjuster at the accident site, it is prudent that you never assign or admit fault. A fault is determined after an analysis of the evidence. Therefore stick to observing the facts without expressing your opinion.
Bottom Line
To be on the safe side of an insurance claim, you should read the fine print of your policy before purchase. Therefore, understanding your policy and the above do’s and don’ts, you will be in a better position when claiming your car insurance.
