One of the most critical factors when it comes to vehicle insurance claims is who caused the crash. This is because the at-fault motorist (or their insurance company, who provides coverage for them) is obliged to cover the accident’s costs.
These expenses may include towing, repairs or replacement of your vehicle, rental car fees and missed salaries or profits for vehicles used for business purposes.
After an accident
If you are involved in an accident, take the following steps:
1. Call the police/an ambulance if somebody is killed or seriously injured or if there is major damage or danger.
2. Get the names and addresses of any other drivers involved, their car registration numbers and insurance information. If anybody refuses or appears to be affected by alcohol or drugs, call the police.
3. Request the names and contact information of any witnesses.
4. Take pictures of the accident site if it is permissible and safe.
5. Do not acknowledge fault; it will be determined later.
6. Make a claim.
Making the Insurance Claim
The associated at-fault driver should be your first point of contact. If the other motorist decides to file a claim with their auto insurance company, the insurer may reach out to you for more information. Their representatives may need to inspect the damage made to your car.
Your next steps might include:
1. Send a demand letter
If you think you are not at blame, you can send a letter or message demanding that the other motorist cover the costs of repairs and damages. Attach a copy of your repair quotation, and save a copy of the letter and quote. Request that they answer within a certain period (for instance, two weeks).
2. Contact their insurance company.
If they do not answer, you should notify the other driver’s insurance carrier that you were both involved in a collision. Let them know the details of the accident. The insurer will determine who is at fault on their own, taking into account the police report, witness and driver statements, and any physical evidence.
On completing these steps, the insurance will look into your case and compensate you accordingly.
After a car accident, you have a lot to think about, which can be stressful at times. This includes overcoming a lack of transportation. If the accident was not your fault, you may be given a replacement vehicle. The cost will be covered by the insurance company of the person who caused the accident.