Safety and precaution should be top priorities while driving. But no matter how much care you take, accidents can happen and your car insurance cover is essential in such a situation.
Your insurance cover will make sure you don’t have to incur huge costs on damages and injuries. The first thing to do in case of a car Accident is to make sure you do not panic.
The additional stress of upcoming expenditures can be completely avoided if you are secure with a comprehensive car insurance plan. Make sure you understand the worth of your car and risks you are likely to encounter to get the best car insurance plan.
Making car insurance claims is not as tedious as it may seem. With just a few simple steps and keeping certain essential details in mind, you can make car insurance claims easily and quickly.
Here’s what you need to do:
1. What are the damages and are they covered under your car insurance plan?
Make an immediate assessment of damages to the car as well as injuries that may require immediate attention. You should be aware which of these are contained in your motor insurance cover.
2. File a report with the police immediately
Your car insurance plan makes a police report mandatory as proof. So stay on the accident site and file a legal police report. Your motor insurance providers expect complete honesty so make sure you discuss the accident in detail, with the police and car insurance provider, and take responsibility for your actions.
3. Do you have the necessary details?
You need to collect important details to make your car insurance claim. These include names, addresses and telephone numbers of all involved. You will need to know the license plate numbers, registration numbers and ideally the motor insurance providers of the other cars involved, under your insurance cover to make your car insurance Claim smooth.
4. Call your motor insurance agent
Your car insurance plan and insurance cover will only be useful if you involve the motor Insurance Agent immediately. It would be ideal to get the insurance cover provider to the accident scene.
Tips to make a car insurance claim
Inform your motor insurance provider within the time period stipulated in your insurance cover. Delays may make the car insurance claim null and void.
Get additional details of the road and weather conditions which may have affected the accident. Your car insurance plan may call for a sketch or photograph of vehicles at the site to make the car insurance claim.
You should gather details as required by your car insurance plan. If your insurance covers the damage to additional parts and accessories then you should jot details of these separately.
If there are any witnesses, get their details for your motor insurance company as well.
More than anything else, it is important to stay calm in case of an accident. Be methodical and thorough in getting and providing the necessary details. Your car insurance plan is there for your benefit. So make sure you use it to maximum advantage.
Don’t miss out on anything crucial which may hinder with your car insurance claim later. Never panic after an accident. Just follow these simple steps and let your motor insurance company handle the rest.