Car accidents have become a common feature today. Every day, as you open the newspaper, you come across at least a few incidences of car accidents around the globe. Car accident insurance covers you against these exigencies. A car accident insurance is your safety measure against these pressing situations.
While car accident insurances have become mandatory for car owners in many countries, people are also coming up voluntarily to take out such insurance policies. However, at times, the customers find dealing with the provider companies for claim settlements a bit tricky. It would be interesting to know about a few basic steps that would enable you to choose the exact way of dealing with your insurance company.
There could be third party involvement in a car accident. You must be covered with a third part clause in the car insurance that you have taken out. At the first opportune moment, you must contact your insurance company or agent immediately after the accident. If you do not, you may be liable to lose your claim. You should also, very carefully, read the terms and conditions laid down in your policy. It will help you determine the process of claiming your entitled benefits. You should always carry your accident insurance policy in the glove compartment of your car. You should also stay at the scene of the accident till the police arrive, and try and keep a track of the officers who investigated the incident.
You must try to get as much detail information about the accident as possible. Pictures taken of the damaged vehicles and injuries sustained by people, will substantially help your claim settlement. You should also keep detailed note about other people covered by other insurances.
Witnesses come up very handy at the time of claim settlement. It is for this reason you should try to take up names and addresses of such persons. As far as practicable, all conversations with the company authorities or agent should be recorded in writing. You will need to maintain a log of the bills of expenses incurred by you for the repair of the vehicle, and health care of affected people and yourself.
Never try to make any fraudulent claims. They will be discovered and you will be deprived of your genuine claims too. If you have multiple insurance policies find out which one provides the best coverage.
You must not admit any kind of liability till they are established beyond all reasonable doubts after thorough investigations by the police and the insurance company. You should not provide anything in writing about the parts of your claim, or insurance terms that you do not understand. You should not disregard any time limit set by your insurance provider in your policy. In settlement of your claim, the version of your agent or the adjuster is not final. If you are not satisfied, you should move higher up in the channel and talk to authorities directly. You must be careful not to sign a document of release or waiver. You should not accept any cheque payment as full and final payment till you consider being a fair deal.
There are numerous car accident insurance policies that you will come across either in person or while surfing the net. Whatever policy you adopt, you will find the above points quite useful for guiding you in taking out an accident insurance policy.
source: http://www.topaccidentinsurance.com
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