After Accident
After the accident occurred, the first thing you should do is to let your insurer. Calling an independent agent or company and provide as much detail as possible. Out of the car and started the name of the other party, badge, car model, and write contact information. Be sure to ask for the assurance of a person, as well. If the accident involves a driver more than two, keep a record of all the same.
The time and place of the accident is important, and therefore useful dashcam. establish modern cameras and store not only video but also record GPS data. You can use the video as evidence. Some claims are not focusing enough, so we have all the information you can get to avoid problems later. Photos and videos undisputed record in this regard. Even if you have not dashcam use camera phone to take pictures of the license plate, vehicle damage, and recognizable landmarks taken near the location, if possible. Police on the scene to help develop a strong claim. Write down badge numbers and names. Witnesses can help the facts, too. Medical personnel should be someone (or one of the witnesses) to call for emergency services and information you need to write it.
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| This Is How Your Insurance Company Handles Claims |
File Claims
Once you make a claim to the insurance company by phone or through independent agents, the company began its involvement. Instruments may vary in order of the wearer to claims to, but it is important enough standard. Driver see only part of the process for a number of negotiations and replacement of all behind the scenes. In the claim, you should read many details as follows:
· The name and policy number.
· Own car if you are driving someone else
· Make, model, and year of the car with the number plate
· Date, time and place of the accident
· Injuries and damage caused by an accident
· Passengers (if any)
· Description of how the accident happened
· The number of police investigating Badges event
· Any information you can get from other drivers and their cars
If the allegations in the database provider, claiming the regulator will contact you also handle the bulk of the research. A team working for regulators to look at the medical report, talk to witnesses, investigating a crime scene, the investigation of injury, management of repairs and medical care, and determine the error. Every situation is different, so there is no standard for how long the process will take time.
Repair and medical care began immediately while inverter works to compile the report. the insurance company each driver covers medical expenses and property damage policyholders; This is the fee process. After getting the payment policy control to evaluate the guilt and seek reimbursement from other insurance.
Ratings Error
Methods to determine who is to blame for the accident, the road was not easy. Many people assume that the legal obligation to regulate everything, but they alone decide how to collect and entitled to compensation. Error determination is all up to the operator. Countries that perform no error regulation, every insurance company will pay for the customer. In all other countries, there is a method of subrogation. Subrogation is the substitution of one creditor to another. When the incident occurred, the insurance company pays for medical care and property damage for his client. However, because the other parties involved in playing the accident, the insurer will seek reimbursement from another party providers. In the end, the insurance at-fault driver is still paying compensation. assessment and subrogation occurred behind the scenes.
Cases With Uninsured And Underinsured
Most procedures do not change much when the case involves either uninsured or underinsured driver. If the uninsured hits you and injury and property damage, your insurer to pay all damages. After the payment, operators are trying to uninsured than a replacement. The only difference is that there is no other company in the scene, so that the process can more easily and faster because the error of assessment less complicated. Coverage for the uninsured is the purchase of an optional policy, so you have to get one paid.
Each state has different requirements for minimum liability coverage, so that the threshold for underinsured can be different. Virginia and New Hampshire is the only state that does not require insurance, but the latter is mandatory for the driver to put money aside in case of an accident. If the road incidents involving underinsured driver, often distributing compensation insurance. For example, compensation of $ 10,000 in damages from both the provider that the driver has a car accident. Decision of the payout percentage of both companies. " Let's say that the payment is 60/40, so the company underinsured driver is paid $ 6,000, and another paid $ 4,000. Underinsured Drivers will have to pay $ 4,000 out of his / her money to compensate for other companies.
