Ever been involved in a car accident? If your answer is yes, you know well that the moments following an accident can be quite straining - mentally and emotionally - as you try to recall what should and should not be done. What's most essential for you is to know what mistakes to avoid, so that you can make a claim without any hassles. Now, you may have come across several reports over the internet about what you need to do following a car accident. In this article, however, we will look at the things you must not do to after an accident to ensure the claim settlement process goes smoothly.
- To start with, DO NOT flee from the scene of the accident even when the car crash is your fault. As you wait for the police to arrive, refrain from moving the position of your car as well as the vehicle of the other party involved in the accident. If possible, click pictures of the scene as this will serve as evidence if someone attempts to misrepresent facts. You can also use this pictorial evidence if the insurance company wants proof of the incident.
- Do not make any delays in notifying your insurance company about the accident. The policy papers you have signed will mention the time period by which you are required to make a claim following an accident. Delays can lead to your claim getting denied. Also, after you have submitted a claim, see to it that you work hand-in-hand with your insurance provider. Submit all the necessary documents on time and coordinate with your insurance company to get the most out of your claim.
- Do not accept any payment from your insurance company as final, unless you are entirely positive it covers your losses. You may be in a position where you want to put the incident behind you and you feel like accepting whatever your insurance company offers. Refrain from doing so until you have gone through your policy documents and matched it with the offer made by your insurance company. Proceed only when you are certain that the payout will cover all your losses.
Remember, if you car has sustained damages in an accident and you're looking to file an insurance claim, see to it that you follow the law, stay composed, collect pictorial evidence and keep your insurance company in the loop about all that’s going on. If you adhere to the above rules, it’s unlikely that the insurance company will turn down your car insurance claim.