All About Accident Insurance
Reader’s Question:
If one is involved in an accident, what should be done to make the most of your accident insurance?
Grace
Orlando FL
A vehicular accident is not something that one plans. No matter how careful we drive accidents are not only unexpected but also stressful. Having accident insurance thus becomes a relief in times like these. Some problems though start when we file claims. A claim is rejected because it did not contain enough information. Even if it did, it may contradict what other parties are saying. What should one do then?
No one wants to be involved in an accident. But it doesn’t mean that we don’t prepare for it. There are three things that may seem insignificant at first but can help greatly in an event of an accident. These are a pen, your auto insurance and medical insurance. I’ll explain more of this later.
When involved in an accident, stay calm. There is no need to panic and it doesn’t help at all. Check for personal injuries first before damages. Your life is much much more important than your car. Remember that. Once you’ve determined the extent of the injury or damages, try to turn on your hazard lights to prevent more accidents. Call the police. Let me stress that even if the accident seems minor, you should always call the authorities. One of the first questions they will ask is if you have accident insurance. Tell them what transpired and check if it is what they have written.
Before leaving the scene, exchange information with the other party. This is where the pen comes in. Ask for his license and get his name. Also get what insurance company covers him. Do the same and give him that information.
When asked, don’t immediately say it was your fault even if you believe it was. Don’t go so far though as accusing the other party of being at fault. Just keep calm and tell the facts. It will be up to the authorities and insurance companies to determine who was really at fault.
Call you agent afterwards. All these would be useless otherwise. The company that carries your accident insurance must know what happened in order for them to start processing whatever claims you may file.