Car accidents create confusion no matter how severe or minor it may be. The first thought that comes to mind is what should the parties involved do. It is followed by a whole barrage of other questions. Among these will be the question of whose insurance company to call first. Should it be your insurance company or the other drivers?
The First Steps
The safety of everyone is essential. It is a priority following an accident. Medical help and calling the Police if required should be the first calls made. Notify the Insurance Company as soon as possible. It can be beneficial, while at the scene of the accident.
Calling Your Insurance Company
Each driver involved in the accident should call their own insurance company. Doing this as soon as possible is beneficial. There are several reasons why.
Speaking to a Professional
Being the driver of a car involved in an accident can be nerve-wracking. Speaking to someone who can offer the right advice can be beneficial. It can help to restore a sense of calmness.
A good Insurance Company will have experienced staff on hand to take the call. These experts can assist drivers of motor vehicle accidents. The call gets redirected to the claims department.
How severe the accident is will be important. It dictates if there is time to call the Insurance Company at the scene.
Speak to a claims adjuster as soon as possible. It will help to reduce some of the concerns that have arisen.
Vehicle accidents are not something that happens every day. Most don’t understand the process that follows a crash. An experienced Insurance claims agent is helpful. They will help the insured to understand the entire process.
Rely on Your Insurance Coverage
The claims agent will immediately be able to access the policy. It will determine what coverage the insured may have. Sometimes there are recommendations for different resources.
For example, some Insurance companies have a list of medical clinics. It is helpful for those who have minor injuries. Or for those that need to have a checkup to ensure there are no injuries.
Some Insurance Companies will call the tow truck for you. They will do this only if this is necessary. Others may arrange for a car rental if this is part of the coverage.
Usually, the driver involved in the accident will feel calmer when they can talk to someone. Furthermore, they think they can rely on the direction this Insurance agent may offer.
Why You Don’t Call The Other Driver’s Insurance Company
The Insurance company handles the needs according to the policy coverage. The opposing Insurance Company will be concerned about their Policy holder’s needs. Besides, the Company’s priority is the insured person.
The insurance claim process needs to get started. Also, it should be as soon as possible after an accident. When the Insurance company is aware that there is a claim they will begin their process. Besides, the other driver’s insurance company does not start the claim for you.
The Insurance Companies need to determine who is at fault for the accident. Also, it helps to identify which Insurance Company will have to pay the costs. Furthermore, contacting the other driver’s insurance company could put an individual in a dangerous position. A misleading response to questions asked is possible. Plus, giving wrong information to the other driver’s insurance company is a problem. It could complicate the claims process.
What Does the Insurance Company Need in the Event of an Accident?
Some prefer not to put in a claim for the damage with their Insurance Company. They will do this is if they consider the accident as minor. They need to report the occurrence to the Insurance Company. A lot of people don’t realize this. Also, it is a stipulation of the Policy that all accidents need reporting.
The insured driver should notify their insurance company. Furthermore, it should be done as soon as possible. Every insurance provider has its own set of rules about this. The policy may dictate a time for reporting. Like within seven days, for example.
What Happens If You Don’t Report the Accident to Your Insurance Company?
Some drivers don’t contact their Insurance companies. They believe it is not necessary to inform their Insurance Company. They just may decide to have the damage repaired themselves. Besides the concern is if the Insured Company finds out about this. They could decide to cancel the policy. Or, they could increase the rates. At the same time, the other driver involved might decide to report the accident to their Insurance Company. Then this Company could contact your Insurance Company.
Preparing to Use Your Car Insurance in the event of an Accident
It is essential for an individual to know how they can get help from their Insurance Company. They should not wait to become aware of this at the time of an accident.
Insured individuals can make the most of their insurance coverage. More so this is if they are well informed about what it offers.
The best way to do this is to review the insurance policy carefully before signing it. It allows the Insurance Company the chance to answer any questions. Perhaps there is a need for some extra options.
A review of the policy also makes the Insured aware of what their obligations are. This is in regards to the Insurance Company in the event of an accident.
Take the time to review what the Insurance company expects when filing a claim. Also, it helps the Insured follow all the rules. Plus, should an accident occur, the driver is aware of what they need to do. This is in regards to their Insurance Company.
Know All the Rules in Case of Accident
Every province is different when it comes to the reporting rules for accidents. Therefore, drivers need to know what these rules are. This is in addition to the Insurance Company’s expectations. Plus, knowing these beforehand can help to reduce a lot of stress. For the most part, it is stress that occurs at the time of an accident.