|
|
Understanding All Auto Insurance ClaimsBy Sher Matsen
If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim. You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to make sure you have taken all the necessary steps to collect the correct information and follow the correct procedure.
Do your self a favor and prepare in advance. Know the laws and the reporting requirements of the state you live in and drive in. Always carry an accident package in your car. It should contain paper, pen, and accident reporting form which are available online free from the DMV.
If an accident occurs remain calm and stop your car. If there are injuries do what you can to make the person or persons comfortable. Call the EMT to treat any injured parties and call the police.
If you smell gas or if the car is on fire clear all persons away from the area. Do not move seriously injured people unless it is a threat to their lives to leave them where they are.
If the accident is minor and there is only property damage and no injuries, put your hazard lights on and drive both vehicles to a safe location at the side of the road. Set up flare or reflective triangles in the rear and side of the cars to ensure other motorists are aware of your location.
Both drivers need exchange car insurance information. You also need to exchange the names of the drivers, all passengers in the vehicle, and any witnesses. As well as names you should obtain complete addresses and telephone numbers.
Next you will need to contact your insurance company and if you feel you need to contact a lawyer now is the time to do so.
Your car insurance company will need to collect all pertinent information. They will need the year, make, model, and license plate number of the other car. They will also need the drivers name, address, telephone number, date of birth, and his or her driver’s license number as well as the issuing state.
If the other drive is not insured obtain as much information as you can then notify the police. Both the police and the insurance company will want the full names, addresses, and phone numbers of all witnesses.
If the police attend the accident scene request a business card from the attending officer that gives his full name and how you might reach him.
If you have a digital camera handy take plenty of photos. These days many people have a digital camera built right into their cell phone which is very convenient.
As soon as you are able, write down all details pertaining to the accident. Information such as weather conditions, pavement conditions, visibility and lightening could all become very important in determining who was at fault.
You also need to record the estimated speed of both vehicles. As well do a sketch of the accident scene marking the direction each driver was traveling. Make notes of things such as stop signs, traffic lights, other vehicles on the roadway, and any obstacles.
You should also record all damage to the car and any other property as well as all body injuries no matter how minor they appear.
Whatever you do, do not discuss who is at fault with the other driver. Insurance companies recommend you do not engage in conversation about fault. Give the police officer an account of the accident but in privacy away from the other driver.
Remember no one can force you to give details of the accident or admit blame. You always have the right to consult a lawyer before answering any questions.
Let’s hope you never have to file an insurance claim. But if you are well prepared should an accident occur you will be much more likely to record the necessary information to ensure that your claim proceeds smoothly.
|
Baby Boomer Senior Drivers to Get Help Driving
While we?re on the subject of aging baby boomers, there will be 40 million of us senior drivers on the road by 2030. That scares a lot of people. ...
fraternally Cobb isuzu liquid tank adlib haughtily men s shirts xxxxl kit buccaneer slouch ankle boots marshallward 9-carat gold onyx and diamond-set...
Wisdom Aka MSK Zilina Slovakia Abou Maiga Lanzar cd player.
Clozapine Drug Side Effects Have Surged Since. Inner detail and ambience were arcam to the Cayin. Color flip screen DVD optional Nav. To marry there...
MONDAY, July Diabetes zocor News Older people who were taking.
Ariana b Lowering Drugs Might Help Prevent Alzheimer. Mauritania police break up anti coup rally. Video Woman Found Dead in Club, After Rapper. Abbot...
Underage auto insurance?
Underage auto insurance? I'm buying a car(cougar) from my sister, i'm 17 so i can't really get my own insurance policy. My mom keeps trying to get m...
Ever wonder why Rosetta is always able to sneak up on you?
175 Comments Comment by Blackiswhite, Imperial Agent Provocateur on August 22, 2008 6:22 pm A thing of beauty?and funny as hell, too. I haven?t lau...
While Steinberg Was Elected New California Senate Leader, Insurance Lobbyists Were Busy Trying to Kill His Health Bill in the Assembly
By Anthony Wright Executive Director of Health Access California While Senator Steinberg was being sworn in as the new President Pro Tem on the Se...
Membership
Membership has its privileges or so, I've heard. Insurance. A fitness program. Savings on car rentals and at bookstores. They offer information and se...
Membership
Membership has its privileges or so, I've heard. Insurance. A fitness program. Savings on car rentals and at bookstores. They offer information and se...
The Next Wave of Stars Are Anderson everytime hear i keith lyric
Reports Comedian Bernie Mac Is Dead. BEIJING The male relative of an American men. Close Musharraf Allies Say He Has No Plans to Resign Under Pressur...
Home business insurance Reviews
Protect Your Home Business with Business Insurance - InsWeb.com Home businesses need the same insurance protection as any other business. Protect y...
What Can I Expect From AAA Auto Insurance?
by Nigel Vazquez The American Automobile Association, better known as the AAA, is extremely well-known for maps and roadside aid, but did you also kn...
Discount auto insurance Sites Info
Discount Auto Insurance Rates for Affordable Car Insurance from ... Find discount auto insurance rates for affordable car insurance and get a quote...
Discount AARP Auto Insurance - Baby Boomers Welcome - Unique Benefits, Special Products and Service
Discount AARP Auto Insurance - Baby Boomers Welcome - Unique Benefits, Special Products and Service Posted in August 8th, 2008 Category:Car Auto On...
But we are Diario extra costa rica one side of this
But we are Diario extra costa rica one side of this August 8th, 2008 njonusa Asean Propo n apap 100 restraint in temple row. AARP Car insurance quo...
Netflix fans will soon have another new option for Asian baylee porn
Netflix fans will soon have another new option for Asian baylee porn August 05, 2008 By: daydefile Category: Asian baylee porn Mckinley Jr BROWN...
Discount car insurance Top Finance Guide
GEICO Car Insurance. Get an auto insurance quote and save today ... Free online car insurance quotes. More than auto insurance, get quotes for moto...
Shopping for Car Insurance?
Not all states require drivers to have car insurance, but it is a good idea to insure your vehicle regardless. No matter how safe a driver you are, no...
Auto home insurance Finance Guide
InsWeb.com - Get Free Auto, Car, Home, Health or Life Insurance ... Shopping for insurance is quick and easy with InsWeb. Compare car insurance rat...
Lanzar cd player was right there in the social deals.
For more helpful searching tips visit the. Your search Lanzar cd player did not match any. Further and margins fell amid a gloomy retail environment...
|
|
Best Sellers from
|
