Loans and Insurance

9 Steps to Take Immediately to Claim Auto Insurance

Life is unpredictable. Events happen that are beyond our control, but managing that occurrence is certainly within our purview.

Auto insurance pays you claim in the event of damage to your car, third party property or injury through accident.

If you car is involved in an accident, you might be thinking of any of these questions or more;

  • What do I do to get a new car or cover repair?
  • Would my existing insurance be enough to cover for the damage or injury costs?
  • What do I do immediately?

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If you have an emergency fund to cover for unexpected financial costs such as repairs and maintenance whiles still having an auto insurance policy in place, that could be a relief.

But sometimes, your emergency fund may not be enough to pay for all the costs that may come up after automobile accident.

Having a comprehensive auto insurance policy will cover for medical costs, injuries and damages to your car/properties.

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You can also take specific auto related policies. In all these, there are some actions you need to take immediately after a car accident. Find the steps below;

Steps to take after a car accident

  1. STOP. Never drive away from the scene of an accident, even a minor one. You can be accused for a hit and run offense or a predetermined event.
  2. PROTECT YOURSELF. Pull over to a safe spot out of incoming traffic. There could be on coming vehicles or even explosions at the scene, and you may have to protect yourself.
  3. CALL THE POLICE. You have to always call the police, even if it a minor scratch and there are no serious injuries, you may need a police report to file a claim with your insurance company.
  4. CALL AN ATTORNEY. When it comes to auto claim procedures,  involving an attorney can make it easier. They can guide you through the rest of the steps and be on the phone when police arrive to assist the situation.
  5. TAKE PICTURES. You should take pictures of all involved vehicles even if there is not visible damage. Try to have first hand photo coverage of the event as much as possible.
  6. EXCHANGE INFORMATION. Also, gather much information as you can. Even if the police respond to the accident, you should obtain insurance information along with the name and telephone number of all persons involved in the accident.
  7. OBTAIN WITNESS INFORMATION.  If there are any uninvolved witnesses at the scene of the accident, obtain their names and telephone numbers for references.
  8. SEEK MEDICAL ATTENTION. Often, injuries caused by motor vehicle accidents are not immediately apparent. You should immediately seek medical attention at your local emergency room or by seeing your family physician.
  9. HAVE YOUR ATTORNEY CONTACT INSURANCE. Your attorney is able to contact your insurance on your behalf to get the appropriate claim and save you time.

Why do I need an attorney after a car accident?

When you’re involved in a car accident, your attorney can protect your rights and make sure valuable evidence is not destroyed.

Often, insurance companies want to take statements immediately after an accident.It is important that you have received legal advice before providing such a statement.

Your attorney can advise you on issues ranging from how to make sure you are fully compensated for your vehicle to how to make sure you are getting the best medical treatment available.

What do I need to make an insurance claim?

During the process of filing an accidental insurance claim, you need to provide details, such as where and when the accident or incident took place, contact information of victims, the description of what happened, photograph take at the scene (if any).

You might also be asked to give an estimated cost of the damage from the accident—if you have that available. If you are not sure you can handle the process, talk to attorney.

I hope this article was helpful?

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