After the accident, collect information
Second days after the accident, keep a good record. The information collected includes the time and place, as well as the names of other drivers, the license number, the insurance company and the contact information.
When Apple programmer Kit Cutler 2012 Ford Fox (Focus Focus) from a silver Lexus (Lexus) thump in fall, hit too fast, so that the car in front of him to promote the Honda accord (Honda Accord). Although no one was injured in the accident, the silver Lexus driver never to any person to provide insurance information. Cutler and the chauffeur’s driver exchanged insurance information, reported to the police and went home. The accident was just a bit more confusing to Cutler than after the insurance claim.
The claim process of the car insurance is almost perplexed by everyone. “Most people can only make a complaint every 8 to 10 years,” Jenny Salvador, vice president of public affairs and consumer spokesman of the Insurance Information Institute, said (Jeanne Salvatore). The insurance information institute is a non – Lobby organization supported by the industry to improve public understanding of insurance.
Cutler made a claim by telephone. “In the initial interview, the broker told me that I had no fault,” he said. Then, she asked him about the accident and put his answer into the online form. Cutler checked and verified the information.
“They’ve done it soon, so you have to pay attention to it,” he said. “I haven’t been in an accident before. I don’t know what’s going on.”
This article explains what the insurance company has done behind the car accident or collision. It also discusses what happens if you are hit by an uninsured or uninsured driver.
After the emergency
If you are involved in an accident, “the first thing to do is to let your insurance company know that you are an accident and provide all the details,” Salvatore said. “Keep good records from second of the accidents.” Use your smartphone (or put a notebook in the glove box), and record the time, date, license plate number, vehicle type, registration information, license number, name, insurance company and contact information.
If the police are on the scene, Salvatore says, take their name and ID number. Get the name of any witness and pay attention to whether the emergency medical staff is called. “The photo is helpful,” she said, “take the car and the car license.” “If the claim is direct, you may not need anything, but if there is a problem, you need all the information.” And again, with the popularity of smartphones, all of this is easy to do.
The methods of each insurance company are different from the claim to the settlement of the claim. However, the main points of this process are fairly standard. However, you will only see a part of the process. All negotiations between the insurance companies on payment and reimbursement will be carried out behind the scenes.
Lodge a claim
As in the case of Cutler, the insurance company will call you soon after the accident. In the conference call, “we will match the personnel with their policies, determine what happened in the accident, find out the injury events, the extent of vehicle damage and get some demographic information”, Mike Flato, head of the process business. Progress insurance. “We will ensure that everyone is OK, if not, what will happen and who will deal with medical claims.”
After the claim, your insurance company will specify a claim adjuster for you. From then on, you were your contact. The adjustment member coordination team, check medical reports, accident investigation, and witnesses to talk, to see the site, check the vehicle damage, maintenance and management of all any medical measures, check all coverage (your policy to pay how much medical injury and property damage) and ultimately determine the fault.
“The claim process is the insurance company’s business,” Salvatore said. “Every situation is different. The better the organization is, the easier the claim process is.”
Adjuster works, medical and car repairs begin immediately, and each insurance company covers their driver’s injuries and property losses. The process of “giving you the whole” is called compensation. Your insurance company will compensate you, not the opposite. After that, when the insurance company evaluates the fault, they will negotiate to determine which party will repay the other’s claim.
Who is at fault?
Error assessment is not necessarily a simple thing. John Murphy (John Murphy), the head of the Progressive Insurance service center, said, “the responsibility law does not affect how you assess the fault. “They decide how much you can collect, who is qualified.” Therefore, the determination of the failure depends on the insurance company.
“There may be a wrong assignment, such as 60/40,” said Scott Spriggs (Scott Spriggs), a member of the Texas state insurance committee. “In this case, the payment may be apportioned according to the percentage of errors.” That is to say, 60% of the wrong driver’s insurance company paid 60% of the compensation, and the other paid the rest of the cost.