Auto Insurance - Making Claims Easier
When people are involved in auto accidents, the first reaction is to panic. This does not help you at all especially if you have auto insurance and would have to file claims. I would share a few tips with you in this article. This would guide you on what to do and what not to do.
- The first step you should always take is to call 911 and the police. If the police cannot come to the scene of the accident, you will have to go to the nearest police station and file an accident report. This is assuming that the accident was not fatal and no one sustained severe injuries.
- Document the details of the accident. If you have your portable camera, it would be wise for you to take snapshots of the scene of the accident. If you do not have a camera, write a detailed report of everything as it happened.
- Be careful of what you say because your words may be used against you. Never ever tell anyone that you think the accident was your fault. Whatever you have to say should be said only to the police and your insurance agent.
- Do not make the mistake of accepting monetary compensation from the second party. Your insurance company would bear the liability.
- Report the accident to your agent and insurance company. To make things easier for you and agent, tell them the following;
a. the time, date and place the accident occurred.
b. how many people were injured
c. how the accident occurred
d. the speed the other driver was driving at and also your own speed
e. the direction each driver was going.
f. the name and phone numbers of the witnesses at the scene of the accident.
g. the number of the police report
h. the extent of damage to your car.
- You may have to get a car from a rental agency. This might not be covered by your auto insurance policy and you will have to bear the cost of the rental. This is one of the reasons why it is very vital for you to know the extent of your coverage.
- To help you get the best bargain and a policy that would come through for you when you really need them, visit several insurance sites and make comparisons. Do not be in too much of a hurry to get an auto insurance. Compare and contrast until you get what is best suitable for you.
Here are great pages for auto insurance quotes...
Chisomeje Odimba writes for Quality-Insurance-4-Less.
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