Understanding All Auto Insurance ClaimsBy Sher Matsen
If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim. You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to make sure you have taken all the necessary steps to collect the correct information and follow the correct procedure.
Do your self a favor and prepare in advance. Know the laws and the reporting requirements of the state you live in and drive in. Always carry an accident package in your car. It should contain paper, pen, and accident reporting form which are available online free from the DMV.
If an accident occurs remain calm and stop your car. If there are injuries do what you can to make the person or persons comfortable. Call the EMT to treat any injured parties and call the police.
If you smell gas or if the car is on fire clear all persons away from the area. Do not move seriously injured people unless it is a threat to their lives to leave them where they are.
If the accident is minor and there is only property damage and no injuries, put your hazard lights on and drive both vehicles to a safe location at the side of the road. Set up flare or reflective triangles in the rear and side of the cars to ensure other motorists are aware of your location.
Both drivers need exchange car insurance information. You also need to exchange the names of the drivers, all passengers in the vehicle, and any witnesses. As well as names you should obtain complete addresses and telephone numbers.
Next you will need to contact your insurance company and if you feel you need to contact a lawyer now is the time to do so.
Your car insurance company will need to collect all pertinent information. They will need the year, make, model, and license plate number of the other car. They will also need the drivers name, address, telephone number, date of birth, and his or her driver’s license number as well as the issuing state.
If the other drive is not insured obtain as much information as you can then notify the police. Both the police and the insurance company will want the full names, addresses, and phone numbers of all witnesses.
If the police attend the accident scene request a business card from the attending officer that gives his full name and how you might reach him.
If you have a digital camera handy take plenty of photos. These days many people have a digital camera built right into their cell phone which is very convenient.
As soon as you are able, write down all details pertaining to the accident. Information such as weather conditions, pavement conditions, visibility and lightening could all become very important in determining who was at fault.
You also need to record the estimated speed of both vehicles. As well do a sketch of the accident scene marking the direction each driver was traveling. Make notes of things such as stop signs, traffic lights, other vehicles on the roadway, and any obstacles.
You should also record all damage to the car and any other property as well as all body injuries no matter how minor they appear.
Whatever you do, do not discuss who is at fault with the other driver. Insurance companies recommend you do not engage in conversation about fault. Give the police officer an account of the accident but in privacy away from the other driver.
Remember no one can force you to give details of the accident or admit blame. You always have the right to consult a lawyer before answering any questions.
Let’s hope you never have to file an insurance claim. But if you are well prepared should an accident occur you will be much more likely to record the necessary information to ensure that your claim proceeds smoothly.
Happy driving: Phoenix area pays less than most for car insurance
Some of the cheapest car insurance rates in the country are in the Valley.
Detroit Tops U.S. In Car Insurance Costs
Detroit isn't just the car capital of the U.S. ? it's also the king of car-insurance costs. According to insuranceQuotes.com, a subsidiary of finance-info provider Bankrate Insurance, the Motor City and its metropolitan area lay claim to the dubious distinction...
Two dead in Arizona flooding
Frances Burns PHOENIX, Sept. 9 (UPI) -- At least two women were killed as a record-breaking storm fueled by the remnants of Hurricane Norbert dumped inches of water on much of Arizona.
Arizona mom who left children in hot car regains custody
By David Schwartz PHOENIX (Reuters) - An Arizona woman who attracted national attention in March when she left her two young children in a hot car while at a job interview regained custody of them on Thursday, her lawyer said. Shanesha Taylor, whose tear-stained mug shot was broadcast widely and generated nearly $115,000 in donations, will be allowed to take her two sons home from state care ...
Honda tops list of most stolen cars in Arizona
The National Insurance Crime Bureau has released its top 10 list of most stolen car models, but Phoenix Police said it doesn't matter what model consumers buy -- everyone is at risk.
Taking out insurance for fantasy players is going a bit too far
Quick question. Did your insurance premiums go up in the last year? No, not car, health or dental. Well, technically I guess it would be considered health insurance. If you drafted Wes Welker ? who recently suffered his third concussion in 10 months ? or Rob Gronkowski ? who has suffered everything from a bum hip and busted ankle to a broken forearm and torn ACL/MCL in the last three years ? you ...
Good2Go® Releases Cell Phone Safety Discount in AZ
ATLANTA, Aug. 26, 2014 /PRNewswire/ -- Good2Go®, specialists in minimum coverage auto insurance, announced that their Cell Phone Safety Discount is now available in Arizona. Customers will receive 5% off ...
San Antonio No. 2 in tailgate thefts
Nationwide, there were 1,921 insurance claims citing stolen tailgates off of pickup trucks between Jan. 1, 2012, and Dec. 31, 2013.
Thieves targeting pickup truck tailgates
Nationwide, insured tailgate thefts have jumped 31 percent from 831 in 2012 to 1,090 in 2013, acording to the study. Thieves sell the tailgates online, put them on other trucks or sell them as scrap metal, according to the bureau.
Flooded cars on Craigslist? Tips to avoid a scam
ff you're planning on buying a used car in the next few months, it's a good idea to do a thorough inspection first.