What is the first step you should take after a car accident?

What is the first step you should take after a car accident?

What is the first step you should take after a car accident?


Before doing anything else, we must first understand what an insurance claim is.  

In this way we can appreciate the whole process better and it becomes completely easier because we already know what to do step by step in relation to the whole process.

A claim is when you ask the insurance company to compensate for the loss incurred after a car accident, or when you ask the insurance company that you are liable for compensation or intervene on your behalf.

Insurance claim process for car accidents

You deposit a lot of money for your car insurance premium, so it makes sense that if you are involved in an accident, you will want to make a claim.  

Depending on whether the accident is responsible, or not responsible, and the type of damage, your insurance company will be able to provide coverage based on what type of car insurance coverage you have.

Claims can be paid from comprehensive coverage, collision coverage, or any minimum car insurance requirement classes, such as liability.  

Depending on the circumstances of your car accident, claims can also be paid from several sections of your policy.

Car accident insurance claim process

Car accident insurance claim process


If you are wondering if your collision claims process will be more difficult to bear than the accident itself, the good news is that filing a claim is usually fairly straightforward.  

By following a systematic approach and carefully recording everything that has happened, you can gather all the information you need.  

The under mentioned guidelines will help you ensure how to process smoothly.

On accident

One of the best ways to speed up the entire claims process is to get off to the right start, and which starts at the scene of the accident itself.  

The best information and evidence you can submit there, the better.

Here's what to get:

All Personal data: Try to get basic all personal information from everyone at the scene.  

Which includes all others for example drivers, passengers and spectators.  

Get their information like names, phone numbers and home and email addresses.  

Anything that will make them easier to find later.  

If you have time, take some notes about what each witness has seen and heard.  

Pass all this information to your claims adjuster, but be sure to keep copies for yourself.

How do you deal with car insurance after an accident?

Insurance Information: 

This is especially important.  Ensure exchange of insurance information with the drivers of all vehicles involved in the accident.  

This is probably the first thing that your adjuster asks you.

Car accident insurance claim process


Photos: 

Take a bunch of photos of the accident scene.  

If you can get a great picture before the vehicles get out of the way, but don't create a dangerous situation to take them.  

Definitely pictures of all the damage included in his car, every other vehicle, and anything else.  

Take some pictures of the accident location as well.  A few different angles are always helpful.  

If you can, take pictures of the parties involved and all witnesses.  And, finally, take pictures of each party's insurance card.

Law Enforcement: 

Always call the police after an accident as early as possible.  

They may or may not be able to answer, but it is always worth a try.  

When they arrive, be sure to get the names of the officers.  

They will gather their own information and interview you for their report, and instruct you how to obtain a copy of the report after a report is written.  

Keep a hold of whatever paperwork they give you and send copies to your adjuster.

Contact your insurer ASAP

I am sure you would have heard the saying, "Most crimes are solved in the first 72 hours after the incident."  

This is because the whole case of crime and the other details are still fresh in the minds of the witnesses.  

It's like with an vehicle accident.  We're not here discussing about a crime, but the idea still works.  

The sooner you contact your insurer, the easier it will be for them to carry out the investigations that require them to obtain the most accurate data.  

It is not bad to call them from the accident scene if possible.

Be cooperative and quick

Most minor accidents are relatively simple for your adjuster to handle.  He has been over hundreds of times.  

This does not mean that it cannot be claimed by some missing piece of evidence or information.

If your adjuster calls you and leaves a message to call him or her back, do it as soon as possible.  

Good communication between the insurer and the claimant is important.  

Also, complaining about slow processing is difficult if you are catching it.

Be Honest

This rule appear crystal clear, but not everyone follows it.  It is human to avoid pain, and accepting that you are at fault for your accident can be very painful.  

But if you are at fault, do not lie and try to get out of it.  First of all, insurance adjusters have a lot of experience with accidents and fibers.

They are really good about finding out what has happened and it can be very bad for you if you are short of coming up with facts.  

Remember "Double Indemnity"?  Insurance fraud is under control and you may have to spend a lot more money than the premium increase if you accept it by mistake.

And if you are looking for a quick conclusion to the claim process, being dishonest will definitely slow it down, and sometimes bring it to a halt.

What is the first step you should take after a car accident?

Follow these steps:

Call your insurance company immediately after the accident and inform them of the loss.

Inform the police about the incident and get an FIR.

Record the details of the car, driver and witnesses in the FIR.

File a claim with your insurance company and ask to assign a surveyor to evaluate the loss.

You can also submit a claim online, provided that your insurer provides this facility.

Required documents for claim 

The insurance company may ask you to provide some documents to help validate them and accept the claim. 

You have to submit all the necessary documents for the claim and fill the claim form. 

Here is the list of documents that you will have to produce while claiming car insurance:

Copy of your insurance policy

FIR Copy (First Information Report) filed with police

Duly filled in and signed the claim form

Copy of your car's registration certificate

Copy of your driving license

A detailed repair estimate

Medical Receipts in Case of Physical Injuries

Original record of other expenses


  

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