Crunch… it’s a sound no one likes to hear, especially when you’re the one driving.
Unfortunately, accidents do happen, even to the best drivers. Safety can play a big role in helping you avoid accidents, but when they do occur, knowing how to properly report your claim could be essential in getting you the most out of your insurance policy. When you have a claim make sure you report it quickly and thoroughly.
The Do’s and the Don’ts of reporting a claim:
Do…
· Get as Much Information as Possible– After an accident get as much information as possible. This will make it easier for your insurance company to figure out fault and ensure quick resolution of your case. Get as much information as you can from other drivers and any passengers involved. Also make a note of any potential witnesses with their contact information.
· Take Photos– A picture’s worth a thousand words, especially after a accident. Take pictures of any damage (both vehicle and property), the accident scene (skid marks, vehicle positions, debris, etc.), the area where the accident occurred (road signs and markers) and any identifiers (license plates, insurance cards, etc.).
· Contact the Police– While police may not come out to every accident scene; it is always a good idea to advise them of an accident, even if it seems minor.
Don’t…
· Delay– Report claims as soon as possible after an accident or event. Many insurance providers require that claims be reported within 24 hours or a higher deductible will apply. Having to pay double your deductible can greatly increase the cost of an accident. Save money by contacting your agent’s office as soon as possible.
· Don’t Admit Fault– Never admit fault for an accident, even if you think you might have caused it. Without understanding the complete picture behind the events, you don’t know whose fault an accident is. It’s possible that another driver was drinking or talking on the phone and is responsible. Don’t admit fault to other drivers or the police.
Do You Understand Your Policy?
Every insurance policy is different, but understanding the details of yours is essential to getting the most out of your insurance, especially in an accident. What are your deductibles? What are your requirements for reporting claims? If you don’t thoroughly understand your policy, take a few minutes and review it or call your agent’s office to set-up a meeting so they can explain it in detail. The last thing you’ll want to deal with after an accident is trying to figure out your insurance coverage, although we’re always happy to help if you need assistance.
Helping with claims is one of the many services we offer our customers here at Santana Insurance. If it’s been awhile since you reviewed your coverage, give us a call. We can make sure your coverage is the best fit for your situation.