Accidents can be avoided, however, no matter how careful you are, accidents do happen. After a car accident, you should have all necessary documents and information needed to file for an insurance claim. Being prepared will save you a whole lot of time and energy.
When you are ready for a claim, evaluate first. Are you sure that you should file for an insurance claim? When you call the insurance representative to ask about a certain accident claim, it is being reported in an insurance record. You might want to keep this record clean. Having a history of car accidents might make you look like a liability or a risk to an insurance company. Whether it is your fault or not, assess the accident. Do you really have to report it and file for a claim? If the damage is not that bad and you can pay for repairs, you can forget about car insurance claims.
Create a list of detailed information about the car accident. It is recommended that you keep a notebook handy in your compartment for certain events. Write down all important details about the accident such as date, time, location, severity of damages to the car, injuries to the driver and passengers, an even a copy of the accident report from the police officer who responded will be equally important. Gather witnesses to the accident to help back you up when you are filing for a car insurance claim.
File the claim as soon as you can possibly do so. This would allow the insurance company to start processing your claims. They could also send someone to appraise any damages done to your car and provide you with a rough estimation of your insurance claims. It is important that this would be done before any repairs are made to your car. The insurance company may even suggest pre-approved auto repair shops to help you fix your car.
If the accident involves another driver, then expect a call from that driver’s insurance company. They would ask you about your version of the accident. This is standard procedure for insurance companies. They need to verify the situation before approving any car insurance claims. Provide them with all the important details whether it was your fault or not.
It is very important for a motorist to understand the policies of a car accident insurance. After claiming the amount provided for by your insurance company, make sure you learn from your mistakes and try your best to avoid any more accidents from occurring again.
