Subscribing a good auto insurance from a good company is only the beginning of a long process. The ideal situation of never having to make insurance claims seldom happens. So it is very important to know how to get your insurance claim and know the do’s and don’ts of getting a complete claim which will benefit your situation.
Insurance companies are extra careful while parting with their money (or rather yours), and they will check every detail to reject your or reduce your claim. Only thorough preparation and a sharp mind at the scene of accident and also when dealing with your company and the other party’s company can ensure your claim being processed fully. There are several tips that you should keep in mind when about to make a claim and even while and after you’ve made it.
- Get any information available at the scene of the accident such as the car registration numbers, the details of the other driver, details of any witnesses etc. It is wise to call the police, as a police report will be needed when you make the claim. Also, get pictures of the site and the damages caused. It may become useful later.
- Report to the insurance company: It is a matter of utmost importance to report to your insurer when an accident or mishap occurs, even when you are not at fault or intending to make a claim. Most companies provide 24-hours claim-filing services which enables you to file the claim anywhere and anytime through telephone. Also take care to make a complete claim. It is also important to file a claim immediately, as any time delay can cause your claim being reduced or even rejected.
- Furnish all the details correctly: When subscribing for an insurance policy from a company, make sure you file all the necessary details correctly such as the details about the car. Even in the event that there’s some fault with the car and you have to pay a higher premium to keep it insured, it will ensure security. If incorrect information is filed, the insurance company can reject your claim.
- Read the policy documents very carefully, so that you know all the regulations and the company cannot find any loopholes to reject your claim citing some rule in the document.
- Renew policy at the right time as even a day’s delay can cause your claim to be rejected.
- Watch what you say: Every word you say counts at the site of the accident as well as when filing a claim. Never admit fault, agree to take money or agree to forget the accident, as this may question your credibility. Never give too many details; keep to the bare minimum, but necessary details. Anything inappropriate you say can be used against you.
- Non-fault claim: In these cases, the insurance company of the other party will pay the damages.
- Be prepared for a call from the other company. It is preferable if you write down what you want to say, beforehand, and not rely on your memory alone. Most likely, the conversation will be recorded at the other end, and it can be used as evidence if ever it turns to a legal dispute.
It is important to keep note of all these points in order to successfully get your claim. It is also equally important to choose a company of repute to buy your insurance from, a company which has a high settlement claim ratio.
Here is an accident cheat sheet you can use to carry with you in your car. It will help you get all the basic information required to file an accurate and complete claim.
ACCIDENT ADVICE & TIPS FROM SHIFT INSURANCE
If you have just been involved in an accident, try to remain calm…we’re here to help.
1. DO NOT leave the scene of the Accident. Contact the Police at once—911
2. DO NOT admit fault or discuss the accident with anyone except Police.
3. Obtain the following information from all persons involved in the Accident, including witnesses:
Drivers License Numbers/Insurance Companies/Policy Numbers
Vehicle Makes, Models and License Plate Numbers
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