Accident Insurance

Reader’s Question:

I have a friend who was involved in a serious accident months ago. Good thing, she’s ok now. I’m just wondering though, since I’ve never been involved in any accident, I don’t have any idea on how to file for an accident insurance claim most especially if it’s a serious accident. Can you help me with that?

Paige

Atlanta, GA

It’s nice to hear that your friend is doing great Paige. As to your question, here are the things you need to do when filing for accident insurance claims:

• First, you must know what is included on your auto insurance policy before any accident happens. If it would help you more, contact your auto insurance agent so he or she could explain everything to you.
• If you need to rent a car because of the accident and you have rental car insurance coverage then make sure you’re getting the best rental car.
• Check with the Georgia Department of Insurance to know your rights as driver with auto insurance policy.
• Know the worth of your vehicle before the accident happened.
• Reach an agreement regarding the evaluation of the damage on your car. Remember, this must be a fair evaluation.
• Decide whether you still want your car or you want it to be replaced.
• Lastly, move on, whether you want your car to be repaired or replaced still depends on you. If your car is determined to be total then it would be better to find for a replacement car the soonest possible time. Just remember, settlement for totaled cars should include taxes, license fee and title for the replacement.

For more information about accident insurance claims, you can also ask your car insurance agent. I just hope you’ll never be involved in any accident. Always drive safely!