Getting insurance is just the first step in protecting yourself from accidents or any automotive trouble. Most people don’t realize that having car insurance is not an automatic guarantee that you get the payout that you need and deserve, it can get pretty tricky and you may not get the coverage you were expecting. If you do get into any traffic incidents, here are a few tips on how to ensure that you get the payments that your insurance owes you and the coverage that you deserve.
- Gather Evidence. In any traffic incident, you’ll want to make sure you have all evidence of your losses so you will be able to claim the monetary value of what you lost from the other party’s insurer. If you have a camera in your phone, take pictures of your car and of the other party’s car. Also take pictures of the road, skid marks and also the location of the traffic incident. Most companies advice their drivers to have a disposable or cheap camera in the car for precisely this reason.
- Don’t Accept the Blame. In all cases, almost all the companies tell their carriers never to accept the blame. It may be obvious to you and to the other party but never readily accept all the blame for an accident. You may never truly what really happened in the accident and who was really at fault. Accidents happen in split seconds and it is up to the insurance companies to sort out who is at fault and who is liable. If you are too ready to accept the blame, you handcuff your indemnity company and you don’t give yourself a chance to defend yourself as an indemnity carrier.
- Take Down All Details. When involved in a traffic incident, make sure you take down all their details. Not just the initial details, but all their details, including their full name, address and mailing information. It is also advisable to request for more than one telephone number from the other party. They would also request you information, and it is also vital to provide them with as many details as possible so you can cover your own end of the indemnity.
- Research on Premiums and Quotes Online. Look at the different premiums and coverage offered online and compare where you stand and what type of payment you have in comparison. It is advisable to look at other indemnity policies and compare them to your own. If you already have car insurance, check and compare with other ratings online and see if you’re getting the pay out that you deserve.