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.
|
Insurers Keeping Drivers Happy Amid Rising Car Insurance Rates
Satisfaction with auto insurance has reached an all-time high, according to the latest J.D. Power survey.
State Farm to Drop Insurance Policies on Manufactured Homes
Michal Brower, Florida spokesperson for State Farm, said the company notified the Florida Office of Insurance Regulation (OIR) of its intent to discontinue writing and renewing its manufactured home policies in May 2013.
Retail sales show strength
LIHUE ? Sales on cars, health products, building supplies and food appear to be on the up-and-up.
Texas Leads U.S. in Pickup Theft as Crooks Target Border
Texas has the most pickup truck thefts of any U.S. state, as criminals target towns where the vehicles can most easily be taken over the Mexican border.
Team Obama leaks failed raid in bid to shore up image
Word of abortive hostage rescue is an effort to show the president was not simply a bystander.
Contests and Promotions
An employee at Sonic told police she was robbed at gunpoint Sunday while she was trying to transport the night?s deposit.
Change the List: My 417-mile trip down ?Apocalypse River?
ON THE SAN JOAQUIN RIVER (CNN)- Halfway through my three-week, 417-mile journey down the ?most endangered? river in America, the water began flowing backward and the mud started talking. It spoke in baritone gurgles, like Barry White trapped in a bong. You know what this is, John? No, Barry White mud. This is QUICKSAND. *&#%. [?]
Capital Journal Daybreak: Israel, Hamas Agree to Open-Ended Cease-Fire | Farm Bill Becomes Midterm Flash Point | The ...
The Journal's morning rundown of the biggest news stories and exclusive features from Washington on politics, policy, financial regulation, defense and more.
Southern Fried Fest starts Sept. 26
The 19th annual Southern Fried Festival opens its gates Friday, Sept. 26, to kick off the 2014 festival. Returning to host the festival is Kevin Sport, host of RFD-TV?s ?The Right Place,? who will serve as the Main Stage host for the weekend as well as take the stage with his band Saturday evening.
Report: America?s ?most endangered? river is in California
FRESNO, Calif. (CNN) ? Halfway through my three-week, 417-mile journey down the ?most endangered? river in America, the water began flowing backward and the mud started talking. It spoke in baritone gurgles, like Barry White trapped in a bong. You know what this is, John? No, Barry White mud. This is QUICKSAND. *&#%. Despite my [?]
|
