Sometimes, it can be a mystery how insurance companies handle our claims. There are factors that are included in their models. Even if the company agrees to pay for the claim, there’s no guarantee that it will be resolved and paid in full quickly. However, we should make sure that the insurance company is really n our side.
After an accident, we should make sure that we know who we should call. There should be someone in the insurance company who is able to handle our claim. The insurance company should responsive enough to handle our claims and if possible, their representatives should immediately go to the location of the accident.
There should also be a hotline number that we can call quickly. It means that after we are involved in a car accident, it is possible that our requests are immediately processed. In this case, after the car accident, it is important to make sure that everyone is alright. Injured individuals may need immediate first aid treatments.
The local police and ambulance service, if necessary, should be contacted immediately. Leave the car at the accident location, even if it’s blocking the traffic. After, then we should have the time to contact the insurance agent and report our situation. If possible, we should ask a representative from the company to go to the area immediately.
If it’s not possible, we should take plenty of pictures on the accident site, including the other car. These pictures could also be supplemented with a video, so the insurance company can have better perspective on the situations related to the accident.
We should make sure that the police report accurately describes the situation of the accidents. The investigations process should also accurately conclude the condition accurately. Even if we are at fault, we should make sure that the conclusion of the investigation is still fair enough. After this, we could still have a good chance that the insurance company will handle our claim properly.
Depending on the company, the insurance provider could have their own investigation process, but other companies may wait for the police investigation instead. If the insurance company decides to launch their own investigation, it means that we need to monitor two separate investigations. In general, there are similar factors that can be included in these reports, such as whether there injuries and their severity.
Other things may include where and when the accident occurred, who was at fault, what caused the car accidents and how many parties are involved. After all the initial procedures have been completed, we should ask the insurance company when the claim process can start.
We may also need to contact the body shop mechanics, to make sure that they can do the work properly. The insurance company often has a network of car repair professionals and by choosing designated car repair experts, we could gain reduced costs. It is a good idea if the car repair professionals can tow and pick the car from the accident area directly. However, this can be performed only after the evidence gathering process is completed.