More than 6 million road accidents happen every year in the United States.
Even the most careful drivers get involved in accidents at some point. As such, everybody should understand the insurance claim process for car accidents, just in case they become victims.
Knowing what to expect after the accident can help you get justice within a short time. The knowledge can also help you have a smooth car accident insurance claim application amidst the stress of being involved in the accident.
Here is what you should expect during the car accident claims process.
Providing Relevant Information Regarding the Accident
The first vital thing is to give your insurer the right information about the accident. Here are some of the questions that the insurer can ask you:
- When did the accident take place?
- How many people were involved in the accident?
- Were they any witnesses?
- What actions did you take after the accident?
- What are the license plate numbers of the cars that were at the scene?
You should provide accurate information only. Wrong or inaccurate information can not only disapprove your claim but also lead you to serious legal repercussions. If possible, you should inform your lawyer to help you.
You may check Sweetlaw.com to know a few things which you should inform your lawyer. After talking with the lawyer, you can then proceed to speak with the insurance agent.
The Car Repairing Process
The next thing to expect after providing the right information is the car repair process. Usually, the insurer confirms that the information you have provided is correct. If it’s true, the insurer starts the car repair process immediately.
Insurance firms have connections with reputable car repair firms that handle the repair job. You should never interfere with the process unless the insurer requires you to do so.
Note that the insurer may use new or old car parts for the repair process. The quality of the materials used depends on your insurance limit, plus your preferences. You might have to add more money from your pockets if you need the best quality repair and remodeling of your vehicle.
Resolving the Accident Claim
One more thing to expect is compensation for personal injuries. This only applies to people who have sustained injuries.
There is no exact formula for the calculation of the compensation amount. Compensation highly depends on the severity of your injuries, the expertise of the lawyer you hire, and other factors.
You should record the hospital expenses you incurred and prove the lost wages for the highest compensation. Also, you should consider hiring a car accident lawyer to help you get the highest possible amount.
Understand the Insurance Claim Process for Car Accidents
The above is just a draft of the general insurance claim process for car accidents. Each insurer is unique and provides a different approach, although the concept is the same.
Get insured by a reputable insurance firm and understand what to do after a car accident to avoid struggles when the unfortunate event happens.
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