Following a car accident where there are physical injuries or damage to property, even if you were not at fault, it is important to tell your insurance company. Even if you were not at fault, it might not seem like it, especially if the crash is small, but it could be good for you in the long run. Below, we look at why it is important to tell your insurance company about a car accident.
It Is a Condition of Filing a Claim
In a car accident, you may need money to pay for your injuries or damage to your home. If you want to get money for an accident, you have to tell your insurance company. If you don’t tell your insurance company before the time limit in your contract runs out, you may not be able to file a claim. When it comes to different policies, this time limit will vary from one to the next.
How to Claim a Car Insurance Following an Accident
A road accident is the first step in a car insurance claim. The type of accident could be two cars that hit each other on the road or a car that hit an immovable object because the driver was careless. You must follow a set of rules when you file a car insurance claim, no matter what.
When you get into a car accident, you will likely feel a strong surge of emotions. Even if you have somebody injured, the situation can be even worse. But you have to try to stay calm and think about how to get out of the situation, even though it’s hard. Know how to get car insurance after an accident to pay for the costs.
The steps to take following an accident when claiming vehicle insurance
Inform your insurer
To start the car insurance claim, tell the car insurance company as soon as possible about the accident and how big it was. Most insurance companies have a deadline for you to tell them about the accident. If you don’t tell them by the deadline, your claim might be denied.
Submit a police report to the nearest police station
It is just as important to file an FIR at a police station. People who have been hurt and their cars have been damaged need an FIR document to make sure they get paid for their injuries and the damage. The police will go to the accident scene to see if mechanical problems caused the accident or not. As part of their job, officials will also keep track of who was driving when the accident happened and who was in the car with the driver.
Take photographs or a video as evidence.
There are times when car accidents can be very difficult to deal with, but you should still watch things. You should look for evidence, try to take pictures of the accident, and keep an eye on things. During the process of getting car insurance, this will help you show that your case is strong.
You can take pictures of the injuries to your body and the damage to the car. They can show that your claim is true. If you write down the name and contact information of the people who saw the accident, it would be even better.
Submit the required paperwork to the insurance company.
To begin the settlement process, you are required to send the insurance company the documents they need. You can do this after filing an FIR and receiving a copy. Ensure that you send the insurer copies of important documents, like your car registration certificate, FIR, driving license, insurance, and other papers.
Solicit the insurer’s dispatch of a surveyor.
It’s important to ask your insurance company for help after filing a claim form. They’ll send out someone to inspect your home. The surveyor will look at the damage done to your car, and they may help you choose the right garage from the insurer’s network to fix it. It generally brings two to three days after you tell your insurance company about your claim for them to send out the survey.
Repair your vehicle.
After the surveyor is done, you must get your car repaired and start filing a claim with your car insurance company. In two ways, you can make a settlement. There are a lot of network garages that can help you get your car fixed. You can get it done there, and the insurance company will pay the bill directly to the garage.
But if you want to get your money back, you first have to pay for the repairs, send the insurance company the original bills and receipts, and then ask for the money back. Especially if you’re filing a claim for the first time, it can be hard to figure out how it works. So, it is important to read the policy documents very carefully to understand what is covered and what isn’t.
An accident you get into may require you to report it to your insurance company within a certain amount of time. This is likely what your policy says. Failure to perform so could mean that you have broken the terms of your policy and could be fined a lot. You could also lose your insurance policy, which means you won’t be covered.
Possibly Subsequent Injuries
In some cases, the effects of a car accident may not show up right away. In this case, it is important to tell your insurance company that you were in a car accident because internal injuries are common and can happen for days afterward. If you don’t tell your insurance company about the car accident on time, you might have to pay many medical bills on your own.
The opposing driver may be uninsured.
Sometimes, the other driver might not have enough insurance or be uninsured, and this could cause a crash. Suppose you don’t tell your insurance company about the car accident. In that case, you could be at risk of not getting enough money for your injuries or dealing with personal injury lawsuits against the driver. However, if this happens, you can still get money from your insurance company if you have an underinsured or uninsured motorist insurance plan.
There may be an accident, and the other driver will say they were at fault. If you decide to negotiate with their insurance company, the settlement may take longer to process. This could be a pain as you wait for your car to be fixed. It’s better to tell your insurance company about the accident than wait for the at-fault driver’s insurance company to pay for the repairs.
Should You Consult a Lawyer Before Notifying Your Insurance Company?
Before telling your insurance company about an accident, it’s good to talk to a lawyer. An experienced lawyer will help you negotiate with your insurance company, and because insurance laws vary from state to state, legal help is very important.
You may have to file a claim with the at-fault driver’s insurance company instead of your own if you get into an accident. This is because some states, like California, don’t allow this. In this case, a car accident lawyer in Irvine familiar with state insurance laws can help you get enough money to cover your losses.
Consider the Following When Notifying Your Auto Insurance Company of an Accident
When you report the accident to your insurance company, stick to the facts and don’t give out more information than is necessary. This could hurt your chances of getting paid. Also, please don’t send in a written statement without first talking to your lawyer because it could be used to figure out how much you’ll get.