Auto Insurance - After an Auto Accident

By Compuquotes Team on March 27th, 2008
Auto Insurance

If you are involved in a car accident, you automobile policy specifically states what you are to do. After calling police or ambulance if necessary, you must promptly notify your insurance company, regardless of who is at fault. The reason for this is so your insurance agent can conduct a prompt investigation of the accident. It is possible the other party will claim your negligence caused the accident, so any proof or evidence at the scene is crucial.

When you call your insurance company to file a claim, be ready to explain in detail how the accident occurred. It is recommended to write down the incident right after it happened so the details are still fresh in your mind. Mail a copy of this recollection to your insurance agency, and keep a copy for your own records. It is wise to have a separate file of all things related to your claim so you can keep track of documents.

Your company needs time to then gather the name, address, home, and work phone numbers of the other parties involved in the accident. Right after the accident you should personally obtain the other driver's insurance information including the company name and policy number. Also document the color, condition, make, model, and license plate number of the vehicle(s) involved.

Another important piece of information needed in your defense is the name and addresses of any witnesses. It isn't uncommon for the participants in an accident to have conflicting versions. This leads to a common lawsuit of one person's word against another's. This is why it is crucial for you to obtain the names and addresses, and statements if possible, of any witnesses immediately after the accident. This is essential even if your insurance company pays for the damages because they can sue later for reimbursement, referred to as a subrogation.

Every state has different laws regarding when the police must be notified after an accident. Most policies require that you file a police report if you plan on filing a claim for an uninsured motorists based hit-and-run driver leaving the scene of an accident.

Most of all your insurance company requires your cooperation if you want to seek full benefits of coverage quickly. You may be required to meet with investigators, lawyers from your insurance company, or claims adjusters regarding the details and facts of the accident and other relevant areas of concern including working with accident recreation specialists.

You should promptly send you insurance company's copies of any notices or legal documents you receive regarding the incident. If any lawyers contact you regarding the accident you are being sued for, immediately send the matter to your insurance company so it can be put to work by professionals working on your side.

If you are injured from an accident you have the obligation to allow your insurance company to have you examined by a physician of its personal choosing. You may also be required to submit to an oral examination under oath regarding the facts of the case, referred to as a deposition.

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