How You Claim Your Car Insurance

Generally every one think accident is nightmares but we cannot stop those because sometime it’s not in our hands. But accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Here are some useful tips that will help you get car insurance amount with out hassle.

• They aren’t really accidents. They are more of an incident. Generally they are an incident that you would like to forget.
• Understand your policy before a loss, sit down and cautiously read your insurance policy. Call your agent or company if you have any questions about what is or is not covered.
• Make sure everyone is okay and check to see if anyone needs medical attention. Even if your injuries are minor, you may still want to have them checked out at a hospital or with your family doctor. Minor injuries can become major, long-lasting injuries.
• Exchange information when you are involved in an accident, get the other driver’s name, address, phone number, insurance carrier, and insurer’s phone number. Be prepared to give the same information about yourself to the other driver.
• Identify witnesses and ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed.
• File an accident report and contact local law enforcement officers to have an accident report prepared.
• Notify your insurer by contacting your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver’s insurance company handle the repair or replacement of your vehicle
• Do not release insurers too early. Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction. For example, have your insurance company handle the claim if the other party’s insurance company questions its policyholder’s negligence or offers an unacceptable settlement.

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