Prepare yourself for collision and car insurance claims by bethanycollins

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When you get into an accident, insurance may be the last thing on your mind. However, if you want compensation for your damages and expenses, there are certain things you need to remember. This article will explain what to do and not do in the event of a collision.

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									                         Prepare yourself for collision and car insurance claims



We purchase car insurance for two reasons. Firstly, to fulfill state requirements. Secondly, to protect our assets in
the event of an accident. While the premiums you pay may seem like an unnecessary expense, you will be grateful
you made that monthly sacrifice if you get into an accident. Without it, you would be responsible for repairs to
your vehicle or the expense of new one, medical bills incurred due to the accident. In fact, if you are found at fault,
chances are you will also have to pay for the damages incurred by the other party, which could include medical
bills, wages, property damage, etc. So when you think about it, paying those premiums is well worth it. The only
hitch is that not all car insurance claims are accepted. A car accident can be an extremely traumatic experience,
especially if your claim is denied. The first step is to make sure that you drive safely; when you compare auto
insurance quotes, you’ll find that the people who have clean driving records and zero claims get the best deals.
However, even the most careful driver can get into an accident.

Taking a few measures can protect your well being and increase the chances of your claim being accepted.
Immediately after an accident, try and do the following:


        Call 911

         Doing so will allow you to alert paramedics and the police, both of which are necessary in the aftermath
         of an accident. Even if there are no obvious injuries, all parties need medical attention: the effects of
         shock, whiplash and internal injuries often have delayed and long-lasting effects. Having a police report
         written up will ease the car insurance claim process considerably.

        Take photographs

         Photographic evidence of the damaged done to all vehicles and property, of debris, of any injuries and
         anything else that might be pertinent in aligning fault, or even ascertaining the extent of damage caused.

        Other Party’s Information

         Get the other party’s phone number, address and especially insurance information; if they are found at
         fault, their insurance provider will cover any damages incurred by you

        Gather Witnesses

         Ask bystanders what they saw and if they’re willing to provide witness accounts. Take down their names
         and phone numbers. Their testimonies could be vital in ascertaining who was at fault.

        Ascertain whether the damage is enough to file a claim

         Note that your claims record reflects accident and this affects prospective automobile insurance quotes
         and rates. So don’t file a claim unless you absolutely have to. Instead evaluate the damage, see if you can
        afford to fix it yourself, and whether the deductible and/or possible hikes in premiums will be worth the
        value of the claim

       Inform your car insurance provider ASAP

        If you decide to file a claim, call your insurance company as soon as you possibly can; the sooner you
        inform them about the accident and give them all pertinent information, the sooner your car will be up
        and running.

Also, you should ensure that the following items remain in your car at all times. Not only will they aid people
around you in getting you necessary help as soon as possible, but they will also allow you to gather evidence that
may later be vital to ascertain fault.


       License and Registration

        You are required by law to have your license and registration with you whenever you are driving. When
        police is called to the scene of the accident, they will most likely want to look at your license and
        registration, so ensure that you have them at hand.

       Proof of insurance

        This is another piece of documentation you need to have when driving, and failing to produce it can earn
        you heavy fines. In context of an accident, it will also facilitate the exchange of insurance information
        between both parties.

       First Aid Kit

        First Aid Kit could potentially save your life. If someone gets injured during the accident, the First Aid Kit
        can help tide them over and give them at least minor medical relief until the ambulance arrives

       Cell Phone

        Be it calling 911, informing family/friends, and even contacting your insurance provider ASAP, your cell
        phone is extremely valuable especially in the aftermath of an accident.

       List of medical conditions

        A list of medical conditions- diabetes, heart problems, allergies to medication, etc- will allow paramedics
        to give you the required treatment even if you are not in a position to inform them of special precautions
        or needs.

       Disposable camera/camera phone

        Having a camera on hand will allow you to take photographs of the accident and damages, which will help
        assign fault, and also provide your insurance company with accurate information about the accident,
        which will increase the chances of your claim being accepted.
        Air Bags

         Air bags save lives. They are so effective that your car insurance company will probably offer you a
         discount for installing them



In purchasing insurance, you are purchasing a sense of security and an ease of mind. By following the advice
provided above, you can entirely avoid your car accident claim being rejected. However, if your claim is rejected,
all your premiums have gone to waste which can leave you feeling cheated. Remember that if you feel like your
claim has been wrongfully denied then you have the option of filing an appeal with your State Insurance
Commissioner.



About Author: Bethany Collins is a mother of two kids and resides with her husband in New York. She loves to
dance and listen to music. Writing is her passion and she earns her living out of it. She has written articles on topics
like auto insurance, quotes for car insurance.

								
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