AUTO INSURANCE FIRST AID BOX
This section will pour FAQs from a knowledge kit that equips consumers with an idea of tackling the aftermath of any insured crisis.
Contents
What do I do if I have an accident ?
You need to be absolutely careful. People are easy scapegoats as they make careless exits out of their vehicles and get struck by others. You should be focused on the welfare of your family and other associates in the event of an accident.
What if someone needs help ?
You have to decide your way of attracting others for assistance. You need to take the necessary steps whenever you find someone injured. The initial expenses would be borne by the insurer eg. the expenses towards any first aid supplies and blankets that may have got used or rotted during the event.
When do I call the police ?
According to most jurisdictions you would certainly need to inform the police when someone gets hurt or the vehicle damage exceeds a certain dollar limit (generally $700).
Who should I talk to at the accident site ?
You should be supportive towards the activities of the police. You should act proactive to get the knowledge about anyone's well being, whos been caught in an accident. Be careful not to be to open to discuss relevant issues with anyone excepting an investigation officer.
What if the police want to tow my car ?
Under severe circumstances your car might just get impounded by the police. It might even be carried by tow truckers to any repair facility. Remember that you have the right to ask them to carry your truck to any location or car shop. The insurer would bear any justified expense on your behalf. Thats why you need to analyze a lot before you sign a repair deal regarding your vehicle. Hence its absolutely necessary that you read all the documents associated with such a repair deal.
Where can I have my car repaired ?
Its not that easy to get a damaged car repaired always. Now-a-days the repair shops maintain good estimating and repair facilities.
It is therefore quite easy to convey a digitalized image of a vehicle and a web appraisal for it anytime. There are companies who'd recommend vendors for you as well. Getting a rental vehicle would benefit you in terms of money as well as saving your time. The appraisals offered by these vendors would come to good use even when you're going for any other reputed repair facility.
How do I report a claim ?
You just need to consult with your agent to the earliest pretext. The broker might just be a member of the claims division. They can always help you to initiate the process and might be helpful towards explaining the influence of a claim on your policy or coverage. Apart from that you always have the option of accessing the 24/7 consumer helplines.
What if I need a rental car ?
You may get an optional Loss Of Use policy, which would certainly cover you with money that would come to good use if you opt for any replacement vehicle irrespective of whether you're at fault or not. It works solely to the extent for which you're not considered faulty in an accident. It would be settled by the insurers of either party as per the place of occurrence of the accident.
What information should I get from the police or the other driver ?
It is quite natural that the investigator would offer you a copy of the accident report. In case that doesn't happen you should always focus on the following information:
- Names, contact information and the license numbers of the drivers involved and the witnesses.
- Description, plate number and insurance details of the associated vehicle(s).
- Names of the locations.
- Time of the mishap.
- Investigating officer's identity.
What can I expect after reporting a claim ?
The best of services that you might expect would mean the following:
- You may always expect a enthusiastic, empathetic and rewarding claims representative.
- A Response to your claim within 4-5 business hours.
- A fast processing of your claims fulfilling your needs.
- A 24/7 helpline service.
