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How To Report A Car Accident To Your Insurance Company

 June 24, 2014  /  Comments Off on How To Report A Car Accident To Your Insurance Company

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Over 18,000 accidents occur in the United States every single day, which accounts for an average of over 6 million automobile accidents each year. Whether you’re a cautious driver or like to drive on the wild side, automobile accidents occur more frequently than any other form of transportation.

Therefore, as a citizen who spends about one-third of your life in a car you may want to educate yourself on the proper ways to file insurance claims and report accidents to your insurance company. Some states, such as Florida, have no-fault benefit laws that restrict your allotted time to file a claim to your insurance company. The best defensive is a good offense – so make sure that you know how to file your claim.

How To Report A Car Accident To Your Insurance Company

The How-To Car Accident Report

Know When To File, When to Stay Away

Obviously if you do not have car insurance you should never file a claim if you may suspect that you’re at fault – if it’s a minor accident you may want to settle with cash. Given that law requires automobile insurance for liability purposes, make sure that you have the minimum policy required before filing a claim or you’ll be in bad shape with out-of-pocket expenses and violations.

Other incidents that occur where you may not want to file would be low claims (under your deductible limit), private property without property damages, or uninsured drivers at-fault. All of these scenarios may end up costing you more long-term through increased interest rates than paying out of pocket.

Filing a Report After an Accident

Usually after an accident occurs, drivers involved in the crash will be shaken by the event. Unfortunately, this time is the most crucial time for you to be focused on the sequence of events that occurred and the information you must provide to law enforcement. The most important thing to remember, even if you forget everything else, is that police officers are a great resource for help when reporting an accident and filing claims with insurance.

Make sure that you have the officer clarify all questions you may have in regards to the claim because he or she has probably helped hundreds before you with automobile post-crash procedures.

Be Clear about the Accident and Find Witnesses

During a major accident, most spectators will become witnesses at the scene because they will stick around to make sure everyone is okay. In other cases of minor accidents, most police officers will ask each driver involved their story of the accident separately and make conclusions based on the clarity of the accident. Finding the party at fault is the primary motivation of the police officer in order to create an accurate report to send to both insurance companies.

Make sure you’re completely honest and informative in your description of the events; this may help you win the case.

Follow Up With Your Insurance Company

After the accident occurs make sure that you ask for a copy of the police report, especially if it helps your cause with the insurance claim. After receiving a copy of the report, send the document to your insurance company and call them with news about the wreck. If you do not contact the insurance company, they will still receive a report from the police and information from the other party’s insurance company.

In certain states, if you’re injured you must file a claim with your insurance company to receive proper coverage and benefits.

Call Your Insurance Company and Record All Information

The client services department at your insurance company will be able you streamline any of your immediate questions about filing a claim because many insurance companies have their own systems and policies in place. It is advised to get the insurance information from the other party, take pictures of the accident, and your contact your insurance company on the specific steps of filing immediately after the accident. The sooner you handle the situation the better you will be in the long run.

Amit Gangrade is from Orlando, Florida. He is a recent alumn from the University of Florida, where he studied anthropology and Spanish, and will be attending law school at Emory University in the fall of 2014. If you have been involved in an automobile accident, Amit suggests you visit Heil-Law.com for sound legal advice.

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  • Published: 3 years ago on June 24, 2014
  • Last Modified: June 24, 2014 @ 5:34 am
  • Filed Under: Finance, Legal

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