If you need to make a car insurance claim after an accident, there are a few things you should do. First, know that if you’ve just been in an accident, the first thing to do is to get medical help. You can wait to contact your insurance provider until after you receive proper medical treatment.
Second, call the police to the scene if there are no injuries but there are damages. If there are witnesses at the scene, ask them to stay to talk to the police about what happened.
After this, you’ll want to collect information from the person who hit you. Insurance information, names, addresses and other details of the driver and passengers can be of help later when filing your claim.
After you have this information, talk to the police about what happened and request a copy of the police report. You’ll need to review this report to make sure it’s accurate before you file a claim with the insurance company. If there are any cameras nearby or videos of what happened, see if you can get access to that information for the insurance company and police.
Finally, call your insurance company and talk about what happened, even if the accident isn’t your fault. Your insurance company will call the other company to make a claim and seek compensation. You may receive a settlement offer, but it’s important to wait and speak to your attorney before you take this offer. You need to make sure it’s enough to cover your medical bills, lost wages and other losses.
Source: Tech Featured, “Car Insurance – Steps For Making a Claim,” Jan. 02, 2017