In fact, between 20 and 50 million people will be injured in car accidents in a single year. When you are among them, the process of billing a car accident can be unbelievably overwhelming.
Should you get legal representation? What information do you need for the insurance? Are there any types of damage that you are entitled to? What can you do locally to speed up the handling of your car accident?
Knowing what to do before an accident happens is the best way to be prepared once you are in line.
Read on to find out how to speed up the resolution process and ensure that you get what you are entitled to after a car accident
1.Know what to do in the scene
If you’ve just had a car accident, we know it can be a serious challenge to keep your mind on you. They could be hurt to immobility or just be churned up.
If possible, however, there are a few things you can do right after an accident, which makes it much easier to handle the car accident.
2. Get out of the car as fast as possible to avoid further injury.
Then call the police and if necessary medical assistance. If you have injured yourself in any way, contact one of the best car accident doctors to make sure you get the right medical attention and prove the damage the other driver has caused you.
3. Next, communicate as calmly as possible with the other driver
even if they deny the accident, it was their fault. This is the time to exchange contact and insurance information. This is also the time when you should start taking pictures of both the car and your car, as well as any physical injuries you have suffered because of the crash.
4. Make sure you also submit a local police/accident report.
If you’ve met or collected witnesses, ask them to confirm your story and make note of their contact information.
If you’re involved in a car accident involving injury or property damage, you must file an application with your insurance company.
The following information should guide you through the process of claim settlement.
This brochure is not a legal document and does not change or replace your car insurance policy in any way. For more information about your specific situation, contact your insurance agent, broker or company representative.
Things to consider
- Report the accident to your broker, agent or insurance company
- Read your guidelines
- What happens after you submit an application to your insurance company?
- How does your insurance company assess the error?
- What to expect if your vehicle has been damaged
- Does your insurance company need to provide you with a rental vehicle?
- How does your insurance company decide whether to repair your vehicle or declare it as a total loss?
- Have the vehicle repaired
- you may be responsible for paying certain deductibles
- What to expect, if you were hurt
- Application for the accident fee
- If you do not have your own car insurance
- What can you do if you and your insurance company disagree about your entitlement to benefits in the event of accidents or the number of benefits?
Report the accident to your broker, agent or insurance company
If you are involved in a car accident involving injury or property damage, you must report it to your insurance agent, broker, or insurance company within seven days, regardless of who is in debt.
If you can not report the accident within seven days, report it as soon as possible afterward. If you do not report your accident within a reasonable time, your insurance company may not need to recognize your claim.
Have the facts in hand!
Your insurance agent, broker, or business representative will likely ask you to provide basic information. To speed things up, you should have the following information with you when you call:
- The name of the registered home insurance company and their car insurance number;
- Make, model, year, number plate and number plate of the vehicle; and
Details of the accident, including:
- Driver’s name and driver’s license number (if the driver is not the registered owner);
- Date, time and place of the accident,
- The extent of injuries;
- If applicable, the number of passengers involved;
- The extent of damage to the vehicle;
- Your description of the accident;
- The names and driving license numbers of the other drivers as well as
- The names of their insurance companies and their car insurance numbers;
- The number plate and the vehicle identification numbers of the other vehicles; and
- Name and ID number of the investigating police officer if the accident was reported to the police.
Read your Policy
It is best to sit down and read the Automobile Policy (OAP 1) thoroughly. It contains specific details about your insurance cover, your rights and your obligations under the contract.
If you do not have a copy of the Automobile Policy (OAP 1), ask your insurance agent, broker, or claims payer for a copy or download a copy.
The application process will be easier to understand if you know the details of your coverage and your responsibilities.
What happens after you submit an application to your insurance company?
Once your claim is reported, you will be contacted by the claim adjuster associated with your claim.
In some cases, the Adjuster wants to meet you in person. In other cases, the entire application is processed by telephone. In order to support your application, you may also need to complete an application form, also known as proof of proof (a sworn statement to assist with your application).
Your claims adjuster determines the extent to which the insurance claim is covered by your insurance policy, explains the insurance benefits provided for in your insurance policy and helps you to go through the entire claims process.
If you have questions or have questions about your policy or claim that you do not understand, contact your claims adjuster.
How to deal with insurance companies
So you could heal emotionally and physically from your car accident.
Now you can focus your attention more on the actual accident regulations.
Note that for many, this is a very frustrating and often emotionally exhausting process. Remember that the insurance company works against you, not you. They will do everything in their power to free themselves from paying damages or to prove that the accident was somehow your own fault.
The best way to fight this?
By giving them as much information as possible.
Documentation, photos, police reports, testimony. These are the things that make it difficult for an insurance company to prove that you are wrong.
You should also be prepared for the fact that if you want to get the type of settlement you feel entitled to, you may need to file a lawsuit.
What are damages
Another way to speed up the handling of car accidents?
If you know exactly what damage you are having after an accident, this may not be the case.
These are usually two main types of damage:
Special damage and damage that can not be accurately calculated
Special damages are sums of money that can be calculated exactly.
This includes things you lost by missing work, any medical bills you had to pay out-of-pocket, and the cost of repairing the damage done to your car. As you might expect, special claims are much easier to prove and gain than those that can not be calculated accurately.
However, if you are self-employed, it can be difficult. The same applies if you are unemployed at the time of the accident or even if you are about to start a new job, but could not do so because of the accident.
Pain and suffering
Of course, not all damages are as easy as others.
If you are interested in claiming damages that can not be accurately calculated, we strongly recommend that you seek the right legal representation on your site.
These types of damage can include mental stress and anxiety, permanent, chronic pain or conditions because of the first accident, and much more.
Because it’s so hard to pin down this type of damage, many people are at the mercy of the jury when it causes pain and harm.
Again, a legal representative of benefits. You must submit your petition duly, write a letter of intent describing your injuries and the injuries you are persecuting in detail, and then decide which offers to accept and not accept.