Key Steps To Follow When An Accident Happens And You Must File A Car Insurance Claim

Car insurance agencies (assurance voiture and assurance auto for speakers of French) write policies o that when you are in an accident, you will be covered and any damages or injuries will be paid for. But if an accident happens, proper documentation is important for proving your case. Don’t assume that others at the scene will take care of this. Make the proper steps to insure your coverage does what it is supposed to do.

Hopefully everyone is OK. That is always the first thought that comes to mind. But even if you think your injuries are minor, have your doctor check you out, or go the the local hospital for an examination. Encourage everyone involved to do the same. Not only will it give you peace of mind but you want to be sure that everything medically is documented. The small injury you think you have now may become more aggravated in the days to come. Don’t leave you health to chance. Get an examination to be sure you are OK.

You will want to call your insurance person as soon as you can to let them know about the accident. An adjuster will more than likely be sent out to look at the damages to both cars and to determine how the crash happened. Tell your agent if and where your car is being towed so they know where to find it.

When the police arrive, they will ask you some questions regarding how it happened, who was in what lane, etc. You are probably a little rattled right now but try to keep your voice in an even tone. The results of the law enforcement agency’s accident claim will be a key factor in how your insurance claim is settled. Yelling and raising your voice may not help your case.

You may have a camera or a cell phone that takes pictures with you and by all means, use it. But stay safe as you do. So many times, key elements get moved before hey have been properly documented and your pictures may contain the evidence you need to prove your innocence. Do not get in the way of officials doing their job, and above all, don’t put yourself in harm’s way.

Even if you can only draw stick figures, jot down a diagram of where each car was coming from when the crash occurred. Nothing fussy, just a little picture of how it happened. You may forget things as time goes on and this will help you to be able to keep the information correct.

You will need a copy of the accident report that the police fill out. They can tell you how soon it will be ready and where to get it. After obtaining it, your insurance agent will need to see it, but keep a copy for your records, also. Some agents will pick this up for you but do get a copy of it. This is a key component if your agency refuses to pay, and you may need this for your own protection.

Speak with the other driver if possible to get his or her insurance information. Give him yours, also. Write down the make and model of his car for future reference, and basically gather as much knowledge about the situation that you can. Don’t wait for someone else to do it. Protect yourself when reporting for a car insurance claim. Your future depends on accurate information.

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