How An Accident Insurance Policy Work
Reader’s Question:
I just got myself an accident insurance policy. I am just curious: what should I do when making claims in case something unfortunate happens to me?
Allen
Milwaukee, WI
One thing you should have done, even before you bought the policy is to read the details of your accident insurance coverage. This way you will be aware of the terms and conditions of your policy. You do not want to be thinking about your insurance coverage while going through the horrors of a vehicular accident, do you?
In case you get into an accident, contact your insurance company immediately. Prepare a statement which describes the details of the vehicular accident as completely as possible. You can make a good claim if you support your statement with pictures of your vehicle or the accident. Jot down the names and contact numbers of any witness who can help you in supporting your accident insurance claim. You should also jot down details of other vehicles and their owners since this will support your claim.
Keep all the bills as well as receipts that you incurred in relation to the accident. You should remember to be honest with all your supporting papers since you are risking disqualification of your policy if you are found presenting false documents.
Review all your policies, too, since you can probably file more auto insurance claims depending on the policies you have.