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You've just had an accident. It may be a minor
fender bender or a more serious collision resulting in injuries or
extensive damage to one or more cars. Perhaps another motorist was
clearly to blame. Regardless of the severity of the accident or who
was at fault, there are a number of basic steps you'll need to
follow once the initial turmoil subsides. You need to be aware of
procedures to file the claim. This can sometimes seem like a
complicated and stressful process yet the more you know, the
smoother it will be and the greater your chances of being happy with
the outcome.
Report the accident immediately
The first thing you should do is to promptly
contact your insurance agent and the insurance company to
notify them that you've been in an accident. Do this as soon as
possible, even if you're far from home.
You should always notify your insurance company of
the accident even if it was minor and not your fault. The insurer
should always be informed, regardless of the circumstances.
Secondly, always have the police come to the scene and file a
report. Letting the other person involved in the accident talk
you out of your privilege to file the incident with the police is
never a good idea.
Find out how to proceed
Ask us or the insurance company claims
representative what you need to do, and what forms or documents you
need to support your claim. The insurer may require a "proof
of loss" form, as well as medical and auto repair bills, a copy
of the police report, and other documents relating to your claim.
Supply all the materials and information your insurer needs, and do
it in a timely manner because this helps to put the claims process
in "high-gear".
Read your policy
Although your auto policy isn't exactly a leisurely
Saturday read, the days immediately following an accident are
probably a good time to look it over. Knowing exactly what your
policy covers can help prevent surprises later on.
Keep records of your expenses and other
paperwork
Potential out-of-pocket
expenses might include medical and hospital bills, car repair bills,
rental car costs, and lost wages. Since you will probably need
receipts in order to be reimbursed, it's wise to keep copies of
these and other important documents in a safe and organized
location. Don't forget your other
insurance
Don't forget that other
types of insurance (e.g., health, homeowner's, etc.) may cover
certain losses resulting from an auto accident, depending on the
type of loss and other circumstances.
Learn More...
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Please Note:
The information contained in this Web site is provided solely as a
source of general information and resource. It is a
not a statement of contract and coverage may not apply in all
areas or circumstances. For a complete description of
coverages, always read the insurance policy, including all
endorsements.
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