Important things to know about making a claim on your car insurance
As you might have noticed, the majority of articles on this blogsite have to do with finding the best car insurance policy and the best company to get insurance from. We are mainly talking about theoretical stuff, and we would now like to say a thing or two about what to do if you actually get involved in a car accident and you wish to make a claim on your insurance. We will give you a few tips on how to make sure that your insurance company will cover your expenses and how to make this as easy as possible.
Our first piece of advice has to do with getting the info on what you are supposed to do in order to make the claim. This should be done when you are getting the policy. You should sit down with an agent from the insurance company and ask them everything that you can think of about the future possibilities of having to make a claim. You should ask them about how they handle the claims, about what you need to provide them with in order to make the claim and so on. Everything that is not clear should be cleared up when you are getting your insurance.
Now we will be getting to the very claim itself. We will imagine a situation in which you have been involved in an accident involving you and another car. It is not a serious accident and there is o need for calling 91
They will be sending an agent shortly as there are always at least a few on call, no matter what time of day or night it is. While you are waiting for them to arrive, there are a few things that you can do on your own. For instance, it is essential that you get all the personal info from the other parties involved in the accident. You should get their phone number, their license plate numbers and their name. You can also exchange insurance details in order to facilitate making the claims.
Once you have done this, you should take photos of the situation. You should make sure you capture the damage done to the vehicles, the situation itself. You should back up and make sure you get it all into a single shot. Also, if there are any skid marks or if there is any damage to public property, you should photograph this as well. If there are any eye witnesses, you should also get their personal info as they might be required in order to establish whose fault the accident was.
Once the insurance agent arrives, they will assess the situation and they will give you an advice on whether you should make a claim in the first place. Namely, if you make a claim, it will affect your future premiums. This is why many people who are involved in minor accidents with no substantial damage often settle this without involving insurance companies. Your agent will be of great help when determining whether you should make a claim.
The next step is making a claim and this is always done in consultations with the agent. They will help you with filling in the forms correctly and after that, it is all in their hands. It is possible that the company will try to dispute your claims and this might require professional legal assistance. From here on end, this is pure law and you should research what to do further somewhere else as we are no legal law professionals and there are other people who might be of more help from here on.