|
|
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.
|
Donations and challenges coming quickly for "Save Our Hospital" (Gridley Herald)
Jim Stowe of Manzanita Car Sales is offering to donate $200 from each car sale in the month of September and is challenging all car dealers to do the same.
Coroner probing Dawson shooting wants guns banned (CTV British Columbia)
The coroner probing the deadly 2006 Dawson College shooting is calling for a ban on semi-automatic weapons like the one used by the gunman.
Volunteer opportunities (The Fremont Argus)
The following is a list of volunteer opportunities in Fremont, Union City and Newark. Help is needed in many forms, and volunteers can donate from a few hours a month to several a week.
Top Scoops (Scoop.co.nz)
Los Angeles Times - This month, Ecuador will hold the world's first constitutional referendum in which voters will decide, among many other reforms, whether to endow nature with certain unalienable rights. Not only would the new constitution give ...
Bills.com Maps Ways to Avoid Worst Financial Choices (PRWeb via Yahoo! News)
Others' missteps give clues to choosing best financial path, Ewing says.
1995 Buick LeSabre Custom from North America - Comments (Carsurvey.org)
Serious safety related defects could have caused an accident and loss of life on September 13, 2007. Loss of control of steering (beware of any clicking noises you suspect coming from dash or steering wheel on turns, driving, etc.)
Storm surge: Sunday's torrential rains led to flash flooding which swept away this Plymouth yard (The News)
Popular business directory searches (The Enid News & Eagle)
Advance Foods............has the hottest jobs!!!! ? Utilities/refrigeration mechanics ? Local truck driver ? Night sanitation ? Housekeeper ? Maintenance utilities supe ...
Hyundai Genesis Receives NHTSA Top Crash Scores - VIDEO ENHANCED (The Auto Channel)
FOUNTAIN VALLEY, CA - August 28, 2008: The National Highway Traffic Safety Administration (NHTSA) awarded five-star crash test ratings, the highest government rankings under the agency?s New Car Assessment Program, to the all-new 2009 Hyundai Genesis for both frontal and side-impact crash tests.
ESCONDIDO: City, tow companies rake in millions from unlicensed drivers (North County Times)
No other city in North County appears as determined as Escondido to catch people driving without licenses. Police records show that the Police Department seized nearly 10,000 vehicles in the last three years from unlicensed drivers, more than double
|
1697 Campus Technology, boletín informativo, 3 de septiembre de 2008
Campus Technology News Update September 2, 2008 Contact the Editor | Sponsor this Newsletter | Subscribe | Change email address | Unsubscribe In T...
Case of the Day- Dallas Court of Appeals
The police pull you over for speeding. The officer checks your criminal history and you have some old drug convictions. The officer thinks you look "...
"Some Unsolicited Advice"
From the Sacramento Business Journal: IndyMac Federal Bank has let go 128 employees from its offices in Rancho Cordova, a figure 70 percent higher tha...
Can i register my car without my pink slips,?.?
Can i register my car without my pink slips,?.? a person owned me money and couldn't pay so he gave me his car and the pink slips but i cant find th...
I need the title to my vehicle in SC. I live in CA.?
I need the title to my vehicle in SC. I live in CA.? I lost the old tags, and I need that info to fill out the title request. I can't remember the o...
New Zealand: Do you agree with Sir Brian Lochore on ?political correctness??
New Zealand: Do you agree with Sir Brian Lochore on ?political correctness?? Comment from Tezza: I thought I would just post a few of the comments fr...
Southern California Housing Report: New Housing Motto: Foreclosure Data is so Bad, it has to be Good! Median Price Down 31% to $348,000.
Southern California Housing Report: New Housing Motto: Foreclosure Data is so Bad, it has to be Good! Median Price Down 31% to $348,000. Posted by: ad...
Com porn vintagedbx quantumfriend hot mia rose sisterlesbos showersex tip Stephanie mcmahon thong photo disney
By Rattaphol Onsanit and Daniel Ten Kate Aug. Can You Cross Out Hillary and Write Sarah. Cuba blasted by wrath of deadly Hurricane Gustav. Russia say...
Southern California Housing Report: New Housing Motto: Foreclosure Data is so Bad, it has to be Good! Median Price Down 31% to $348,000.
Southern California Housing Report: New Housing Motto: Foreclosure Data is so Bad, it has to be Good! Median Price Down 31% to $348,000. Posted by: ad...
Does ANYONE make blacked out headlights for 06?
Does ANYONE make blacked out... 1st Generation MINIs : Coupe Talk (2002-2006) Week 36 Model Year 2009... MINIs in General : 1st Gear Customize...
Johnson Wins by Total Domination of Pepsi 500 Field
Copyright © 2008 Backstretch Motorsports. All Rights Reserved. If you are not reading this in a news reader, the website you are viewing it on is gu...
overate Chesnee cellphone covers cristina unheedfully gps nav system Amiina saul anthony 18 ct white gold 7 stone 0.32 ct diamond ring by saul anthon...
S a tribute to Area bay mateo mortgage san swimming.
McCain, Palin stump as GOP eyes Gustav. Most gulf oil pumps are shut down. Mom of missing tot arrested again. Obama?s strategy for anti Obama Bart ba...
Choice Hotels Comes Through Again
Our California trip is off into the National Parks country with a more limited hotel chain inventory. Choice Privileges has come through again with op...
I'm The One They Call Rocking John
Someone emailed me the website www.carrtracks.com . I had never heard of it and when I clicked the link it took me to the narrative you see below. ...
I'm The One They Call Rocking John
Someone emailed me the website www.carrtracks.com . I had never heard of it and when I clicked the link it took me to the narrative you see below. ...
Which O.C. firms made ?great workplaces? job site?
Which O.C. firms made ?great workplaces? job site? Mandatory paid sick leave fight not over The Register graphics team has created one of it f...
Johnson Brings Pepsi 500 Pole Position to Hometown Crowd
Copyright © 2008 Backstretch Motorsports. All Rights Reserved. If you are not reading this in a news reader, the website you are viewing it on is gu...
The Smart Consumer\?s Guide to Buying a Used Car
The new millennium has thus far been a decade of rampant consumer fraud. Shrewd companies and salespersons cook up new way to rip off the public on a...
Unauthorized Access of Credit Reports: Your Rights Under the Law
Your credit report is your private financial information. This information is every bit as private as any private financial information you keep in a...
|
|
Best Sellers from
|
