It is quite disappointing to get involved in an accident. You go through in your head and question if there was anything you could do to stop it. You can even wish that you had started a few minutes later to miss the other vehicle you collided with. You should not allow these thoughts to overwhelm you. You should concentrate on the job in hand.
First thing you should determine is the size of damages. This will help you decide if it is really worth making a claim. Remember that your car insurance rates will go up from the next renewal if you make a claim. Keeping a clean driving history and saving money on your premiums may be another way of getting paid for small damages. Number of claims you made is as important as the size of these claims.
Filing a Claim
Depending on your insurer you may be able to make a claim online. However, you should call your insurer immediately when you are involved in a big accident and there are injured people. They may like to get involved straight away to handle the possible liabilities better. Remember to get a claim number when you call. It may be possible to enter it online later on and follow the process in real time.
Remember that your statement is only one part of a claim. The accident scene pictures, the statement of other drivers involved and witnesses and most importantly police report will need to be taken into account. Nonetheless, it is important that you relay the information you have about the accident. They may see the picture of the accident scene but they may not know how it developed into a crash.
Deciding about the Repairs to Be Done
Your cash position can be very important when deciding how to proceed with repairs. You may like the vehicle to be repaired by a body shop you vetted out rather than allowing it to be taken to an insurer approved garage. The problem there is that you may have to do a little more work and paid it out of your pocket first and ask for reimbursement. If you are struggling with cash this may be a problem.
If you agree the automobile to be repaired by the company approved body shop you have to be satisfied that the company has chosen a good repairer. The biggest advantage of this route is that you do not have to deal with technicians or bills. The claims adjuster will deal with them and settle the repair costs directly with the garage.
Understanding Your Policy Limitations
You need to have the necessary coverage to be able to make a claim. Also you should be aware of the deductibles to make a good decision about claiming for the loss. Otherwise, you may make the claim and have it on your record but find out that you do not have enough coverage for it or your deductible is too high for you to get reasonable settlement. It is important to have a quick look at your policy before going ahead with the claim.