Correct Information Helps Your Car Insurance To Be More Effective When A Crash Occurs
You’ve been in an accident. So much is going through your mind right now, your head is spinning. But there are things you need to do to make sure your car insurance (assurance voiture or assurance auto, for our French speaking readers) covers the damages here.
Even if your accident is small and you seem unscathed, take the time to get to a medical facility to be looked at. Medical people know what to look for in case of an injury that cold turn more serious in later days. Document that you have been seen. And keep a record of any prescription drugs that the doctor orders for you because of the crash.
You will want to call your insurance person as soon as you can to let them know about the accident. An adjuster will more than likely be sent out to look at the damages to both cars and to determine how the crash happened. Tell your agent if and where your car is being towed so they know where to find it.
Cooperate with law enforcement when they arrive. Answer their questions calmly and rationally even if you don’t feel calm at the time. Their report is very influential towards settling your case. Tell them truthfully what happened, to the best of your ability.
Almost everyone these days carries a mobile phone that will take photos and if you have one with you, take pictures of the scene. Stay out of the way of professionals who are doing their work, and don’t go anywhere where you may get hit or injured. But your pictures may become invaluable if you must go to court. Evidence may have been moved before it was noted, or someone may be trying to say something happened when it did not. Your photos may be the evidence you need to settle your claim.
Even if you can only draw stick figures, jot down a diagram of where each car was coming from when the crash occurred. Nothing fussy, just a little picture of how it happened. You may forget things as time goes on and this will help you to be able to keep the information correct.
You will need a copy of the accident report that the police fill out. They can tell you how soon it will be ready and where to get it. After obtaining it, your insurance agent will need to see it, but keep a copy for your records, also. Some agents will pick this up for you but do get a copy of it. This is a key component if your agency refuses to pay, and you may need this for your own protection.
Exchange insurance information with the other driver and write down all of the particulars about their car. The make, model color, etc., will be information you will want to have. In short, gather all of the key elements for yourself, don’t assume that someone else at the scene is going to do it. By being proactive, you will protect yourself from false accusations. Car insurance claims need not be complicated if you remember to do these things.
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