Even if you are paying good money to
secure your car and keep it covered against thefts, accidents or many things
besides, filing for a car insurance claim is one thing that you really would
not wish to do. What does it indicate when you file for a car insurance claim?
Well it basically means that you must have been in some sort of road mishap.
You really wouldn't mind paying for car insurance premiums so long as you don't
get into serious trouble with your car.
Nonetheless, this is one topic that
you need to understand because a car accident is one reality that may or may
not happen. There's no telling if you'll get into a car accident and wreck your
car in the process. In case that happens, you will be able to act immediately
and be able to take full advantage of your car insurance policy.
So, in case there is an accident on
the road, such as when you collide with another or when you ram your car into a
lamppost, must you panic? It is a common reaction of most people to go in shock
or to panic, but somebody has to call the police and, in cases where there are
injuries that are serious in nature, 911. It is essential for the police to be
there in order to officially put the incident on record. In case you are badly
wounded, somebody has to see to it that all details, including license numbers,
plate numbers, the names of parties involved, and the names of concerned
insurance companies, are properly recorded. You will need all these when you
will be making a claim with your insurance company.
After gathering all the details, the
next thing you need to do is to make your insurance company aware of the
accident. If the accident is the result of the other party's negligence or
fault, you may also have to inform that party's insurance company about the
accident because there's a good chance that your insurance company will not
shoulder the cost of damages to your car. The other party's insurance company
must be informed that you are filing a claim.
Alternatively, you can file with
both insurance firms, but this can entail a complex process and you may not
wish to go through all the hassle of making an itemized list of all things that
got damaged. Even if you do get to file with both companies, though, you cannot
really expect that you will get the same amount twice.
If you feel that the amount you are
entitled to claim is not sufficient enough to cover the damages as you have
expected, you can always seek legal action to address this issue and challenge
the decision pertaining to your claim. The accident may have dramatically
changed your life, and it's only natural to explore all means in order to get
what you deserve. Getting your well deserved claim can help you get back on
track.
