Whether or not you are at fault for a vehicle accident, it starts a series of events that you and your insurance company must deal with. You’ll need a mechanic to fix your car, which will cost money. How much of those expenses are covered by your insurance is the question?
If you are the one who caused the accident through reckless driving, you will need to find out what the law is in your state for doing it. Your insurance agent is essential to the procedure while you concentrate on safety and repairs. Your insurance-related questions may be resolved if you choose the correct insurance agent. Contacting an insurance agent may be necessary if you need auto insurance. It’s also good to talk to an auto insurance claim attorney.
What documentation must I first present to my insurer?
The initial step in handling your incident will probably be to fill out a proof of claim form or a police report that was made on the spot. You might be able to send an electronic form to your insurance, or they might accept information over the phone. Save any receipts for the automobile repair, including those from the towing company you employed. You may locate this service on websites and other places that can help you find a towing service around-the-clock in the event of an accident.
Is a rented car covered by my policy?
Yes, you will be protected if your policy includes rental reimbursement. Before an incident, you might want to add this coverage to your policy if it isn’t currently there. Typically, it is a cheap supplement to an auto policy.
When will I hear from my insurance?
You most likely already know the name of your insurance agent when you work with an independent agency. Even better, send them images of your damages through SMS. If not, be certain you obtain the name and contact details of the person in charge of your claim. Ask upfront for a reasonable time frame and the method of communication for your vehicle insurance claim updates. Give yourself a few days of leeway, and if you still require information, you’ll know who to contact.
Is there a deadline for filing additional information or contesting a claim?
Make sure you understand what is expected of you. If there is a deadline for submitting information that will be used to refute the claim, you need to be aware of it. What happens if you want to talk about how a certain aspect of the vehicle insurance claim is being handled? Some insurers allow a certain period of time to address these issues.
Will this have an impact on my policy?
Many motorists are concerned about how an accident would impact their insurance rate. Even though it could be too soon to tell immediately following an accident, you might wish to talk with your insurer about how your coverage held up during your claim. You might have missed out on policy additions that might have reduced costs at the time of your incident if you were looking for the best deal. It may be wise to review your insurance at this time.