Car accident insurance: Do's and Do not's
Most of the people are unaware of the tips which they should follow in case of a car accident. There we have summarized the important tips which a person should know if he has met an accident.
Oops! Have you undergone a car accident without insurance? Facing a car accident is it's like a horrifying dream. It's better to choose a best car insurance plan as soon as you purchase a car. Then claim for car accident gets easier. Here are certain guidelines which you should follow in case of any mishappening.What to do in car accident insurance
- It's always advisable to keep a pen and paper in your glove box so that in case of any mishappening, you can jot down the required information.
- If your destiny was good enough and you were not injured in any way in the accident, then your first and foremost duty of to call your insurance agent. Meanwhile, jot down as much as information you can. You can also click some pictures from your camera or mobile. This will help your insurance agent and he can be assured that you had not broken any law and the accident was not due to your negligence.
- Stay at your place and call the police. Remember that its must to call police within 24 hours of incident and present your car insurance certificate within 7 days.
- If there was any witness of the accident, request him to stay there to give his witness. Else take his name and contact information so that agent can be assured and claiming insurance gets easier.
- Always be honest, true and loyal to your agent. Don't serve him with any false statement.
- It is suggested to avoid admitting any liability on your part. Rather you should stick to real facts. Avoid expressing your personal opinions.
- Refuse to accept the claim for estimated loss. Insist them to provide you claim for actual loss.
- Read the documents provided by agent carefully before signing on it. Avoid giving anything in written to him.
- Spare some time to read the terms and conditions of your insurance policy. This will gave you a proper idea that which aspects are covered in your policy and will help you at the time of filing claim.
Conclusion:
Car accident and insurance are like siblings. But all these tips will definitely help you in car accident insurance process.
Some times we never read offer documents carefully. Many times insurance companys are passed your policy under terms and conditions, but you will ignore it and when some difficulties produced then we can't do anything so firstly read your policy documents carefully and sure that their terms and conditions are correct.