subject: Car Accident Claims: Are You Prepared? [print this page] When people get into car accidents, it can make for a very stressful time. However, the victim still has to file a car accident claim. Instead of waiting on the insurance company to do all the work, people can make themselves aware of a few things. First, they need to make sure they are familiar with their auto policy that is in effect. Looking at the insurance agreement will help them understand all the information they are going to need when they talk to the adjuster. There are many key terms in the policy that they need to be aware of, such as the premium, insured, covered persons, damages, claimant, claim, and claim processes. The premium is the monthly or quarterly fee charged by the insurance company. Insured just means the policy holder. Covered persons means the people who are covered under the policy and damages refers to monies paid out when the claim is made. The claimant is any third party in the claim. Once people understand the terms in their policies, they will better understand how to deal with the insurance company if they decide to be difficult to deal with.
Car accident claims are very tricky and sometimes are not always fair to the insured. A good way to not have to file for a car accident claim is to be careful on the roadways and take more precautions. Staying away from aggressive drivers, being aware of surroundings or vehicles moving into other lanes, and even allowing enough space in between another persons car and yours will prevent an accident from happening. Also be careful to avoid distractions that can occur when youre on the road, such as talking on cell phones, eating, putting on makeup, and dealing with children. These activities can be done safely after pulling to the side of the road to avoid accidents.
by: Christina Best
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