For those who own a vehicle, auto insurance can almost be like a support system. Acting up in times of emergency particularly, a car accident claim can go a long way. But when exactly should one file for auto insurance? Here’s a comprehensive idea of all that and more.
Being in an accident can be a very harrowing thing. Users must hence have insurance policy for their vehicle well within reach. At all times, the policy card must be present in the vehicle you drive. As a primary step when in a road mishap, it is advisable to note down the name and number of the other vehicle that has been involved. This is of course after you’ve reached a safe destination. You can also make a note of the kind of car, the make, the number of people seated inside, the incident’s location and the amount of damage done.
Among all these factors to be considered, the other party’s insurance policy organisation and the plan chosen by them must also be noted down. So that you are able to identify the other vehicle without any hassles, you must know their license plate too. With this detailed report in hand, you should be able to help your insurance company to help you make auto insurance claim.
Furthermore, individuals must put down the amount that they wouldn’t be able to earn because of the crash. The most essential step in this is to obtain a medical certificate that states you cannot attend work due to the trauma faced in the accident. While prohibiting you from finishing your work, it must also register that in case you do work, you wouldn’t be able to recuperate. You can make a claim for wages lost in case you are injured in the event of the car accident. Not having a doctor’s certificate can be a major pitfall in making the claim.
Auto insurance when in an accident shouldn’t involve any wastage of time. You must file for it right away. Remember that the time period between which you can submit insurance is only 36 months. In case you wish to gain a compensation payout, you must hence submit the claim before this period has elapsed. This factor may be lenient for young drivers who haven’t yet crossed the age of 18. Such individuals can make a claim after they’ve reached eighteen years of age which is the legal age.
