Accidents can happen at any time, any place so it is always best to be prepared. Motor vehicle accidents in particular, have a high frequency rate so having insurance would not just be an advantage but a requirement
Being in an accident without any proof of insurance is worse, aside from paying a fine, you will lose your driver’s license. Also, if you’re the cause the accident and you do not have liability insurance, you may have to pay for the third party property damage and the injured person, yourself and these costs may be substantial.
While car insurance can certainly give drivers peace of mind and security, it can be quite complicated once you actually get into a car accident. There are certain do’s and don’t’s in any insurance transaction, so in order to fully maximize your insurance, here are essential must do’s and for car insurance claims:
When a Crash Occurs
Stop your vehicle in a safe place. In most areas it is illegal to leave the scene of an accident. Determine if anyone in your vehicle or other involved vehicles is hurt. Summon an ambulance, if needed. After the accident, if you’re able, make sure you take pictures of the scene, get the contact information of the people involved and take note of the details of the accident such as the weather condition or other factors such as traffic lights, etc. See a doctor after an accident, he will be able to treat your wounds and diagnose further necessary treatment and medical attention.
Report the Accident
Laws in some areas require that all accidents be reported. Contact your insurance company as soon as possible when you get involved in a car accident. Many insurance companies also require that crashes be reported to police if there is any involvement of third party damage, or they may deny payment of claims.
THE CONTACT CENTER FOR INSURANCE COMPANY WILL HELP YOU TO LOCATE NEAREST SERVICE GARAGE FOR VEHICLE REPAIR AND PROCESS OF CLAIM.
Be honest with your insurance company. Concealment of material facts, no matter how insignificant or potentially embarrassing you think it is, can invalidate your policy so always make sure you give your insurance company truthful information.
Be Cooperative
When police officers arrive on the scene, be cooperative, and provide any requested information. Get the names of the officers on the scene, and ask them to provide you with any information necessary for you to obtain an accident report. Also exchange contact information and insurance information with others involved in the crash. Get the names of witnesses and their contact information as well.
Know the difference between replacement coverage and depreciated or actual cash value.
Don’t settle a personal property loss for actual cash value when your policy provides for replacement.
If you ever find yourself in a situation where you don’t feel you’re getting fair compensation from an insurance company, either with regards to medical expenses, auto damage or anything else to which you think you’re entitled, talk to your agent or call center of insurance or Customer service manager ( claims ) or your attorney about your claim.
Do review and understand your coverage before talking to your insurer or your agent. Read the "Coverage" and "Exclusion" sections of you policy in particular.
Being in an accident without any proof of insurance is worse, aside from paying a fine, you will lose your driver’s license. Also, if you’re the cause the accident and you do not have liability insurance, you may have to pay for the third party property damage and the injured person, yourself and these costs may be substantial.
While car insurance can certainly give drivers peace of mind and security, it can be quite complicated once you actually get into a car accident. There are certain do’s and don’t’s in any insurance transaction, so in order to fully maximize your insurance, here are essential must do’s and for car insurance claims:
When a Crash Occurs
Stop your vehicle in a safe place. In most areas it is illegal to leave the scene of an accident. Determine if anyone in your vehicle or other involved vehicles is hurt. Summon an ambulance, if needed. After the accident, if you’re able, make sure you take pictures of the scene, get the contact information of the people involved and take note of the details of the accident such as the weather condition or other factors such as traffic lights, etc. See a doctor after an accident, he will be able to treat your wounds and diagnose further necessary treatment and medical attention.
Report the Accident
Laws in some areas require that all accidents be reported. Contact your insurance company as soon as possible when you get involved in a car accident. Many insurance companies also require that crashes be reported to police if there is any involvement of third party damage, or they may deny payment of claims.
THE CONTACT CENTER FOR INSURANCE COMPANY WILL HELP YOU TO LOCATE NEAREST SERVICE GARAGE FOR VEHICLE REPAIR AND PROCESS OF CLAIM.
Be honest with your insurance company. Concealment of material facts, no matter how insignificant or potentially embarrassing you think it is, can invalidate your policy so always make sure you give your insurance company truthful information.
Be Cooperative
When police officers arrive on the scene, be cooperative, and provide any requested information. Get the names of the officers on the scene, and ask them to provide you with any information necessary for you to obtain an accident report. Also exchange contact information and insurance information with others involved in the crash. Get the names of witnesses and their contact information as well.
Know the difference between replacement coverage and depreciated or actual cash value.
Don’t settle a personal property loss for actual cash value when your policy provides for replacement.
If you ever find yourself in a situation where you don’t feel you’re getting fair compensation from an insurance company, either with regards to medical expenses, auto damage or anything else to which you think you’re entitled, talk to your agent or call center of insurance or Customer service manager ( claims ) or your attorney about your claim.
Do review and understand your coverage before talking to your insurer or your agent. Read the "Coverage" and "Exclusion" sections of you policy in particular.
0 comments:
Post a Comment