You can make a car insurance claim if your car have insurance for car. You will inform to insurance company immediately after being involved in a car accident. The request to an insurance company after car accident for monetary reimbursement for the physical damage to the vehicle is called car insurance claim. It is not very easy claim auto insurance coverage after an accident because it is very stressful and time-consuming process and for Laws and regulations for the insurance claim process also vary by state. For example insurance company, insurance policies, and the severity of the accident. The following tips will keep you on track as you navigate the claims process.
It all starts with the accident,
- Always remember picture injured or think you might be injured Consult with an attorney before dealing with your insurance Company even if you don’t intend to sue anybody in my hand the whole process.
- You should learn your rights and risks in order to go in with your eyes open
So assuming you not injured the recovery process starts at the scene of the accident it’s there in the commotion following the accident the you establish the foundation for successful client.
First you need to record information about people get the names and addresses of witnesses passengers in the other driver, also get the names and badge numbers have any police officers that show up.
Finally get the other driver’s insurance information it’s important to get all this info first before people like witnesses start leaving.
Next you want to take pictures cell phone camera photos will do just fine. At a minimum make sure you get pictures at the license plates for each vehicle any and all damage on every vehicle in the positioning a beach people in the street.
You may also want to take pictures a little details like road and traffic conditions, skid marks and anything else you might want to refer to you later.
Be really careful about what you say at the scene of an accident make sure everyone’s okay
for try to limit your conversations with the other driver and have someone like a police officer ask you to make a statement
Be sure to describe Vince in a way that does not suggest in default on your part.
never admit to any fault if you really are to blame, let the insurance company determine the facts.
You don’t have any obligation to implicate yourself, if you’re not sure should tell people “I don’t know yet have been seen by a doctor yet” if they ask whether you’re hurt.
Get your claim started as soon as you’ve got your information together to avoid delays in getting your settlement pays
Your policy probably requires you to fire within a certain number days anyway so don’t drag your feet
keep good records a few communications with the insurance company or companies
brought the claims process you’re going to want to talk to you about the accident and probably take an official statement.
Remember to avoid claiming responsibility for the accident you to if it makes you more comfortable write at your statement in advance retreated to the agent when you’re asked to make a statement.
It’s best to find out how much it will cost to repair your car before submitting your plane
The insurer is more likely to offer you an adequate settlement if they know that you know what your claims worth.
keep them informed give the Macker record what’s happening with your costs repairs
when they do offer you a settlement remember you don’t have to accept the first offer if it’s for an amount that would make you whole again financially.
Don’t be afraid to negotiate your settlement if you think your recovery should be higher back up your demands detailed itemized estimates and quotes from a beautiful repair shops who specialize in your vehicle type.
Make sure the ESN it covers original factory parts don’t let the insurer try to pressure you into accepting aftermarket parts you the right to get your car back in the condition it was sent before the accident. if you feel like you’re not getting fair offers remind the insurer view right to the four-level recovery justified by the facts
if you can negotiate an agreement seek legal advice.