Accidents do happen, even to the best of drivers. Many factors can cause car mishaps: to the slightest of fender-benders to the extremes of a total wreck. When it happens, do you know how to respond accordingly the most unexpected of inconveniences?
The very thought of having to deal with an insurance agent after an accident can be difficult, especially if you are the one at fault. And even if you did not cause the accident, but it was a bad one, you may need to hire a lawyer who specializes in this field.
Here are some tips on maintaining your composure and filing a claim after a vehicle mishap.
First things first: collect important information
In every auto accident, whether in Springfield IL, or Boulder, CO, the driver who causes the accident is responsible for reporting it to his or her insurance company. You, as the injured party, should also contact both insurers and send them the relevant paperwork.
Make sure to get the following information from the driver at fault or from authorities:
- Name and Address
- Driver’s License no.
- Insurance Policy information (Insurance carrier)
- Statements from witnesses and police reports
- Pictures of the accident site and damage to car
Notifying the right parties
After collecting the necessary information, make sure to inform both insurance companies. Jot down the relevant facts about the accident and relay it factually. Law enforcement agents will determine fault and issue a ticket to the offender.
The insurance company will also investigate as part of the process after taking the paperwork and evidence into account. It is a good idea to talk to your insurance company about the accident.
If you need medical treatment make sure that you have doctor’s reports and other bills on hand to make the claims process easier.
It is quite common for insurance companies to take their client’s side and not pay too much by way of a settlement. It depends on the severity of the accident, so take it one step at a time and make a claim accordingly. Putting everything in writing will help you keep track of the progress of your case.