Steps to File for Car Insurance on an Accident That is Not Your Fault
You were involved in an accident. Your vehicle is damaged. You may have some physical and emotional damage as well. The accident was not your fault, so this is a real inconvenience. Don’t stress. The other driver’s insurance company will pay for your expenses. Here are the steps to file for car insurance on an accident that is not your fault.
At the time of the accident, you should have exchanged insurance information with the driver at fault. Many times the police officer on the scene will give you this information.
As soon as possible, contact the other driver’s insurance company. If you have been hospitalized or unavailable, the insurance company may be trying to contact you. The driver at fault should have already reported a claim to his/her insurance company.
A representative or adjuster should contact you within 48 hours of the accident to explain the process that is followed for claims.
Be cautious not to sign any agreements with the other insurance company until all damages have been repaired, both on your vehicle and your personal body. Many insurance companies will try to get you to sign a final payment amount quickly. This releases them of any additional charges that may occur as a result of the accident.
Many times insurance companies will work with you to make sure you are satisfied. This is a good sales technique. Insurance companies believe that if you are satisfied with their service, then you may be inclined to switch to their company for your own insurance.
Once you have submitted all medical bills, car repair bills and any additional bills, the insurance company will offer you a settlement. This settlement should be enough to pay all of your bills. Many times the company will add additional money for your inconvenience. Understand that once you sign, agreeing to the settlement, you cannot get more money from the insurance company. The claim is closed.