What would you do if you’re involved in car accident that’s not your fault? Dealing with an insurance company after an accident is very time consuming and requires a lot of patience. This article will provide you with tips to help you maintain a cool head throughout the ordeal and necessary steps you should take.
Best Dash Cams
Dash cams or dashboard cams can be a real life-saver in the event that you get into an accident and need to make a claim. If you have video that clearly shows that you are not fault in this situation then definitely give that to your insurance adjuster for your claim file. If you don’t have one already, take a look at this list of the best dash cams. If you do a lot of driving for work, it’s definitely worth having one.
What to do if you get in an Accident
If the worst does happen and you get in accident that is not your fault, here are some steps that you should take to:
1. Try gathering important information.
Ensure that you contact the driver’s insurance company because the driver may be a bit reluctant to report the accident to his or her insurer.
Collect important information like the driver’s address, his or her name , contact information and statements from witnesses. You should also take pictures of the scene where the accident took place, take the name of the driver’s insurer and his or her policy details.
2. Don’t rush into picking unnecessary battles.
Sometimes the driver’s insurance may claim that their policyholder isn’t at fault for causing the accident and they may ask you to seek help from your insurance company. You may be tempted to fight the other person’s insurer but it’s very important to always pick your battles wisely.
Consider making a claim with your insurer so that they can fight the driver’s insurance company until they get the right compensation for you. Fighting the driver’s insurance company is a bit costly on your end and you may require a lot of resources at your disposal. Basically, you need a good lawyer to provide you with necessary legal advice.
3. Make sure you clearly understand your injury coverage
If you can’t work because of an injury that you sustained in the accident, then the driver is definitely at fault. The driver’s insurance company should definitely pay you for any wages that you lost. If the driver’s liability limits aren’t very high and don’t cover all your medical expenses, then you should definitely consider making a claim under your motorist coverage.
4. Ensure that you contact the right people immediately after the accident.
Contact the driver’s insurance and try giving all the facts that show why their policyholder is at fault for causing the accident. You should also contact the police so that they can easily determine who really caused the accident. The insurer always asks for physical evidence, witness statements, driver statements and the police report.…