If you have never been involved in a car accident, consider yourslef lucky.
However, you still should know the timing and details on how and when to file a
claim.
The very first thing that you should do when you are involved in a
car accident is exchange driver information. That is assuming you are not
seriously injured. If you are seriously injured, make sure that the following
information is collected by someone at the scene of the accident.
Get the
other driver's name, address, telephone number, driver's license number,
insurance carrier, policy number, insurance carriers telephone number, and the
license plate number of the vehicle or vehicles involved in the
accident.
Make sure that you get the name, address, and telephone numbers
of any witnesses to the accident. They may be needed to substantiate how the
accident occurred.
Local law enforcement should be contacted to report
the accident. If you can not reach them, you can go to your local police
department, sheriff's office, or Department Of Motor Vehicles and obtain the
necessary form to complete and submit it while there. Check the Department Of
Motor Vehicles website to see if you can submit your report there.
In the
majority of cases, you should report the accident to your insurance company.
Before calling them, make sure that you understand your policy.
Sit down
and carefully read your car insurance policy. If there is any part of it that
you do not understand, call your insurance agent or company, have a list of
questions prepared, and get the answers.
If you still are not sure as to
what to ask, you may quote car insurance with another insurance company and
while you are getting your quote Launch
CReader 4001, ask them.
When yoiu are comfortable with what your
policy covers, contact your insurance company as soon as possible. An insurance
adjuster may be sent to record the damages to your vehicle and take your report
and determine who was at fault in the accident. Be prepared for this. If
necessary have a written description of what happened including any diagrams
that will explain the accident.
And, having a depostion from any of the
witnesses at the scene would be helpful.
If the accident was not your
fault, you can either contact the other driver's insurance company or have your
insurance company contact them to handle the repairs to your vehicle, or if
necessary replace your vehicle.
Property Damage ?The insurance company is
responsible for paying the reasonable cost to repair the other drivers vehicle
or property if you are at fault. If you are not at fault, the other insurance
company is responsible for the repairs to your vehicle. The damages to the
vehicle will be determined by the adjuster. In most cases the insurance company
and the repair shop negotiate any disagreements about what should be repaired.
If you don't agree with their conclusion, you have the right to go to another
repair shop.
Being involved in a auto accident is never fun maxidas
ds808, but do understand that you have certain basic rights, and if you are
not satisfied with the way your claim is being handled, you can contact the
state Department Of Insurance regarding your claim.
Related Links
http://realblog.zkiz.com/allautotool