Having an accident small or big can become all the more painful when you have to report it to the Insurance Company. Half the time you don’t even file the claims (especially for minor accidents) because of all the nuisance involved and lose out on the insurance benefits.                   

But getting insurance is not that big a problem if you follow a few simple steps:
1) Comprehend your policy before an accident occurs, so please carefully read your insurance policy. Call your agent or company if you have any questions.

2) Right after the accident check to see if anyone needs medical care. Even if your injuries are slight, still get them checked out at a hospital or with your family doctor. Minor injuries can become major, long-lasting injuries.

3) It is absolutely imperative to exchange information when you are involved in an accident, get the other driver’s name, address, phone number, insurance carrier, and insurer’s phone number.

4)  Give the same information about yourself to the other driver. You can find insurers’ telephone numbers on the proof-of-insurance cards.

5) File an accident report and contact local law enforcement officers ASAP.

6) Try to spot witnesses and get their names and phone numbers in case their account of the accident is needed.

7) Notify your insurer by contacting your insurance company about the accident ASAP. If the accident was not your blunder, you can have either your insurance company or the at-fault driver’s insurance company handle the repair or replacement of your vehicle.

Remember if you do use the other driver’s Insurance Company, you will not have a claim on your automobile policy and you will not have to pay a deductible.

9) Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction.

10) Also most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. If you cannot reach an agreement with your company, you or your insurer can initiate the appraisal clause. Check your policy or ask your agent or insurance company for more information about the appraisal clause.

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This entry was posted on Monday, July 7th, 2008 at 1:52 pm and is filed under Car Safety. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.