A friend of mine was a victim of hit-and-run here in Washington and the good thing is that he did not sustain any injury. But his car was damaged and his own insurance paid for it but he also paid the deductible. What types of coverage are recommended for a driver to have for protection against hit-and-run?

Benjamin

East Seattle, WA

Drivers can have the financial protection that they need if they become a victim of hit-and-run by getting the following types of coverage as part of their accident insurance:

Uninsured Motorist Coverage
Without the identity of the other driver is identical as getting into an accident involving an uninsured motorist. Uninsured motorist coverage would cover injury and damages brought about by an uninsured or hit-and-run motorist but it is not required in the state of Washington.

Replacement Rental Car Coverage
A number of car insurance carriers don’t necessarily cover the expenses of a short-term replacement vehicle while your car is being fixed, even in cases such as the damage was due to a hit-and-run.

Majority of the vehicles are in a repair shop after a crash. To think that the normal rate per day for a rental vehicle is $50, it could end up paying more for a day of renting a vehicle than for an annual coverage for replacement rental vehicle coverage in your accident insurance.

A lot of people think that we are ready in the event of an accident, but most of us don’t spend time to go over and be familiar with what’s in our accident insurance. Most of the underwriting of an accident insurance are quite particular and gives thorough description of what’s really involved in the accident insurance.

Even though no one would like to be in a car accident, we can never tell what happens so it’s better that you know what to do. Anyways, in case I get into one here in Texas, how can I file my car accident insurance claim?

Janice

El Paso, TX

Car accident is one of the primary reasons why people get injured. A small number of people endure minor injuries but about half of that experienced grave injuries, permanent disability and some even meet their demise. Being in a car accident is a hurtful encounter because apart from the physical pain and suffering, you would also bear emotional distress, loss wages and property damage. These things mean you have to be financially compensated and you could file a claim for car accident insurance against the one who caused the accident or from your insurance company.

If you get involved in a car accident in Texas, you could demand for compensation for all the damages that have been endured. You could seek help from an attorney experienced in handling car accident insurance. After filing a claim for accident insurance against the at-fault driver, you could also file a claim against your insurance company. When filing a claim for car accident insurance, consider the following things:

–Get a copy of the police report
–Be familiar with the security your auto insurance would give you
–Sign a medical discharge so that a duplicate of the medical record would be shown to the insurance company
–File a claim for bodily injuries under medical payments coverage
–Get at least two auto repair estimates in case your vehicle is declared a total loss
–Show estimates and let them take pictures of your vehicle
–Show the invoices for storage and towing cause
–Request your car insurance agent to help make plans for a provisional alternative car in case you have rental reimbursement coverage
–Inform your car insurance agent for any damages that have been noticed in the course of the repair