Even a minor car accident with minimal damage can be quite scary. The paperwork, which will include a police report and an auto insurance claim, may seem overwhelming. Although your first accident may be intimidating, filing a claim is actually a relatively simple step by step process.
The success of your auto insurance claim will be determined by many factors. What you say and do at the scene of the accident, the completeness and accuracy of the police report, the accuracy of information that you receive from the other driver and the speed with which you make the insurance report can all affect your ultimate claim results.
At the Scene
Never admit fault. In most jurisdictions “relative fault” comes into play for insurance purposes. Even if you clearly did something wrong, the other driver is obligated to try to avoid hitting you. If he did not do everything possible to avoid the accident then he may be partially at fault. Relative fault is complicated and best left to experts to determine. Simply stick to the facts and be honest but avoid discussions of fault.
Make sure to get the other driver’s full name, vehicle information and complete insurance information, as well as a contact number. Insist on a police report even if there is only minor damage. Write a statement for your own records at the scene if possible or as soon as you get home.
Report the accident to your auto insurance company immediately. You will need to fill out a variety of forms which will serve as the primary document by which your claim will be settled. Be sure to call your insurance agent and ask any questions that you may have. The insurance company may also request copies of the other driver’s insurance information as well as the police report. The next steps will be determined by your insurance company’s normal procedures, the type of insurance you have, and the insurer’s determination of fault.
If the other driver is determined to be at fault then his insurance company may offer you a quick settlement, especially if you were injured. Take time to review the settlement offer and if possible, have an attorney look it over. You will need to make the determination as to whether the offer is fair and reasonable. Your other option is a lawsuit, which can be costly and time consuming. Only you and your attorney can decide which choice is right for you.
Although a car accident and the accompanying paperwork can be scary and intimidating, the actual process of filing a claim is a step by step and relatively simple process. Follow the above tips and do not hesitate to ask questions. You will be successful in filing your auto insurance claim.
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