How Do You Correctly Report A Car Accident For Insurance?
Almost every driver gets into some sort of car accident at some point. It’s important to know the insurance procedures for getting the other driver your information so they know how to contact you afterwards. If you simply drive away from an accident, even if it is small, it is known as a hit and run. You might even hit a car while no one is in it, but it is still important to leave your information so they can contact you. Of course, if the accident was severe your first goal is to get someone to contact 911.
The first step, which most people forget, is to not admit fault. Even if the car accident was your fault it is not wise to admit it to the other driver. If it is later found out that the accident wasn’t your fault, you may still be forced to pay for the insurance damages because you said it was. Try to be calm and handle the situation in an orderly fashion so everyone involved can get back to what they were doing.
Exchange insurance information immediately with the driver of the other car, or cars. Make sure names, phone numbers, and addresses are included so you can get a hold of each other. This is why it is so important to bring proof of your insurance with you in your car. If you don’t have it with you, you might just have to give it to them later.
If both parties involved in accident are ready to wait then you can make a call to your insurance company and ask your claims representative to come and evaluate the damage caused. At times, this may not be possible, but you should always call your claims representative as soon as you can. The representative will take some pictures of the accident spot and damages while you are around; get your claims form filled, speak to the other people involved in the crash, and may be also talk to those who saw the accident.
You must also click pictures at the spot and nearby areas before the mess is cleared and vehicles are removed. These days it’s become very easy as most people have mobile phone cameras. So, take enough pictures which may help describe the accident scene.
You are mostly free to go after you have informed your claims representative, clicked photos, and swapped information. A police officer must have also arrived by now to inspect the situation, get the mess sorted and have tow trucks take your vehicles. The tow trucks may not be required when the accident is of a light nature. After all this, it may take some weeks or a month till your receive your claim check by mail. So, the entire initial repair costs have to be borne by you.
The money you get is determined by the lowest repair quote given to the insurance company. If your car is totaled you will receive the blue book value for your car. The blue book value is a standard set of prices for cars taking into consideration their model, age, and condition. If you made any modifications to your vehicle you will not be compensated for them.