subject: Tips For Quick Car Insurance Claims During An Accident [print this page] Car insurance is insurance bought for your vehicle so as to provide you with financial protection in case of physical damage due to traffic accidents and also the liabilities that can arise from there. The exact terms of your car insurance may change in accordance with the legal regulations in different regions. Car insurance may also provide financial protection against damage to your car sustained from accidents other than traffic collisions as well as theft.
Hopefully, you wont be in a car accident ever and therell be no need to file car insurance claims. But, in case such a condition arises, here are some tips to make the process smoother and easier:
Immediately report the car accident to the authorities or the police if the damage to the car is more than the provincial limit or if there have been injuries.
Take all the required steps for protecting your car from further loss. Move it away from the traffic so that it remains safe.
Keep track of all the important details related to the accident such as the people and the vehicles involved as well as their identification and the badges and names of emergency personnel. Take notes if you can and back them up with pictures, if possible. THs information will prove invaluable if problems arise later on.
Contact the police officer for a form for driver information-exchange. This form covers all the pertinent information that you should collect from the other person as a quick checklist.
Get the details of the people who have witnessed the accident including their names, address and contact information. Witnesses are very vital while backing up your claim and as proof to the insurance company if there are any discrepancies.
If you are approached with money or asked to forget the accident, do not agree. Moreover, do not accept your fault.
Contact the insurance provider at the earliest and file a complete insurance claim. Difficulties may arise in the process of insurance claims if you get delayed in contacting the insurer or if you have not provided all the details. Before getting your vehicle repaired ensure that the insurance company has agreed to pay for all the repairs.
Make sure that you check the repairs at the shop itself and again when you reach home and find the work to
your satisfaction.
Ask the repair shop for a receipt which contains all the details of the work that has been done. Also make sure that the receipt mentions the name of the shop and its address.
In case the repair shop discovers additional damages to the vehicle which werent included in the original estimate, you must have information on how supplemental repairs are handled by your insurer.
by: manish khurana
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