What to do after an accident? :
First of all you should keep records and photos of the accident and vehicles and be aware of the information items that needs to be collected like time, location, the other driver’s name, license number, insurance company, and contact information…
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In this article we will show you how auto insurance companies handle car accidents claims behind the scenes.
If you are involved in a car accident, you should probably let your insurance company know about it and provide them all the information items that we listed earlier, try also to get names of any witnesses and note whether emergency medical personnel were called.
You should expect a call from your insurance company after reporting the accident and during that call a process business leader will match you to your policy, determine what happened exactly in the accident, find out about any injuries and get some demographic information.
After filing your claim your insurance company assigns you a claims adjustor who leads through the whole process, adjustors determine the fault by investigating the accident they can view the scene, speak with witnesses if there is any and examine the vehicle damage and medical treatments to manage all the necessary repairs.
Who’s at Fault? :
You should know that fault assessment is not a simple matter, therefore it’s up to the insurance companies to determinate who’s at fault.
If one driver is wholly at fault, the other driver who is not at fault collects from the at-fault driver’s insurance company, but it may be an allocation of fault, for example 60/40, in this particular situation the payments will be apportioned by percent of fault, so the insurance company of the driver who is 60% at fault pays for 60% of the claims and the other company pays for the rest.
What if an Underinsured or Uninsured driver hits you? :
you may be surprised but the whole process doesn’t really change much when It comes to situations like that, for example if you were hit by an uninsured driver and you suffer injuries, you will be paid by your insurance company, however you must have collision insurance for uninsured or underinsured drivers, after getting paid your carrier will try to find the person who hits you in order to get reimbursement for its payments. And if you were hit by an underinsured driver then your insurance company will work with other driver’s company to cover your claim.
All you need to know:
You should be aware of the things you would have to do in case if you had an accident, because even the most minor car accident can shake you up if you don’t know the right thing to do to keep everything going smoothly in the claims process.
1/ know what kind of insurance/coverage you have.
2/ prepare yourself with as much information about the accident as possible.
3/ stay in touch with your claims adjustor.
4/ know your state’s laws regarding liability you can visit the web site for further information insurance commissioner.