Car accidents are not something you want to think about often, but the fact is they do happen. So, as a responsible car owner, it is imperative to learn how to handle the matter when it catches up with you. Taking the right actions at the scene will go a long way in preventing further losses and ensuring you have your insurance claim handled efficiently. Keep reading to learn what to do to secure your claim.
Note that some accidents are deliberate—or what they term as “crash for cash” incidents. It is where a driver causes an accident intentionally so they can file a claim against you. So calling the police is the first step to establish that.
Have a Claims Adjuster? Contact Them
Regardless of how minor the accident is, you need an expert to guide you through what to do and what to expect.
Record Facts and Details about the Accident
Keep a copy of your observations at the scene and throughout the claims process. Later on, the other party may decide to lie so you want to have enough proof of what transpired.
· Collect Details of All Drivers and Passengers Involved
If possible, should exchange personal details with the parties involved before leaving the scene. And of course, that’s also for your benefit. Remember, your insurance company will need the details when processing your claim.
The details should include driver’s names, contact information, license number, and car insurance policy information. In case you need to involve the police in the future, the details will be helpful for efficiency.
· Take Photos or Videos
Visual information is always convincing. So go around the scene and take a photo of everything you think may serve as proof to your insurer. Record the crashed or scratched parts of the car, skid marks, and other physical damages caused to the vehicles.
The only caution you need to take is to ensure it does not interfere with the police investigation. Even after noting the driver’s details, it is good to take photos of their ID, drivers, license, and insurance cover for affirmation.
· Keep a Written Record
Besides keeping photos, consider documenting all details in written form. Note down details of all cars involved, such as the models, number plates, colors, and anything unique in each of them.
The insurance company may also require you to provide a statement of everything that transpired in the process. Therefore, jot down everything that will help you craft a comprehensive report later.
Keep Off Communicating With Other Parties
Sometimes out of anger, the other parties may overreact and cause misunderstandings. That’s why it is also essential to maintain a high emotional intelligence during this time. Even when upset, try to be polite, but be sure not to admit fault.
Respond to Police Questions Positively
Once the police get to the scene, they will ask all the parties to record a statement. So be sure to be as cooperative as possible, and help them where you can. However, don’t let anyone compel you to admit liability to the accident.
Our Insurance Claims Agents Can Help!
Honestly, going through the insurance claims process is not something you want to do alone. We have seen car owners losing both their vehicles and insurance claims out of minor mistakes. So, as much as these points can help you, there’s a need for real-time assistance.
And that is what our agents at Frydach Insurance will do. Reach out to us right away—it’s always a pleasure to help.