Drivers may feel that accidents will not happen to them. But they happen to many people every day. While finding the low auto insurance quotes is great, knowing what should be done in the event of an accident is quite helpful as well. Taking the claim process step by step is the best way of approaching this stressful task. This can make a complicated looking task easier that it looks.
Usually, the claim process starts at the accident. You need to do everything right at the scene of the accident in order to have a successful vehicle insurance claim. This includes calling the police or emergency services if people are hurt. It is also time to exchange auto insurance information with the other drivers involved. If you see any witnesses you should take their contact information too.
In this process, fault will be determined unless you live in a no-fault state. In a no-fault state, as long as both parties have insurance, there is no presumption of fault. Your insurance provider deals with you, the other driver’s insurance corporation deals with him. In states where fault is considered, there can be significant difference in your renewal premium depending on you being responsible and having no fault.
Next, you want to contact your insurance firm immediately especially when the damages are large. You can generally file the claim over the telephone. It’s crucial to do it because if you do not file quickly enough you may hold up the entire process. In several states, the insurer doesn’t need to pay if you wait too long. File the claim with your own carrier whether or not you are responsible. If you are not responsible, you must also inform the other carrier you are filing the claim, or have your insurance broker do it. However, it is best to do it yourself just to make sure the insurance company in Wilson is aware of the claim.
Generally, the insurer of at fault driver pays for most of the damages. Your insurer may have to pay for it initially so that the repairs are not held up. The amount your insurer will not pay becomes the other driver’s responsibility if he/she doesn’t have insurance. It typically takes either a repossession company or a court action to fulfill the claim.
Ultimately, you are going to meet with an insurance adjuster. The adjuster is going to make an estimation of the damage of your vehicle. The insurer will then cut you a check for that amount minus your deductible. Then the other insurer will cut you a check for the deductible amount. You are able to go to an insurance authorized auto mechanic to fix your car and the carrier will work directly with the repair shop.
By going over the whole process of filing a claim, you will be well informed about what services to expect from your insurance corporation. When looking for the least expensive car insurance rates, be absolutely certain to keep all facts under consideration. It is nice to get cheap coverage, but it is important that claims are handled smoothly, too.