How Do You Begin With The Car Accident Claim?
Chances are high that more than one insurance claim will be filed after a car accident. Well, that is what car insurance is there for. However, where to start can be, at times, quite bewildering. Beginning with a few set questions might help you. These questions are
File a car accident claim
An Injury Lawyer in Barrie knows that many drivers consider not filing a claim for insurance based on certain beliefs such as:
• If the deductible crosses the amount of the losses.
• In case the insurance premium comes at a much higher rate.
• If the insurance company drops the claim tagging them as an uninsured individual.
All of these outcomes can never be predicted, as car accident scenarios are quite vivid. If you feel perplexed, an Injury Lawyer in Barrie can help you with valid advice.
Where to file the claim?
You basically get two options while you file the claim for your accident, as per Injury Lawyer in Barrie. The one is with your own car insurance company or with the driver's insurer, which is a third-party claim. You will file a first-party claim in the case.
• You know you are at least at fault partially for the accident.
• You live in a state which runs under the no-fault insurance policy.
• You consider filing under your medical insurance or personal injury protection.
• You are using your own accident coverage for the mishap.
• The driver forms the other side is uninsured; you bear Uninsured Motorist Coverage.
You may file a third-party claim directly if you see the other driver has caused you accidental damage. You will certainly not have to worry about the deductibles in these scenarios. However, it would help if you kept in mind that third-party claims usually take longer to proceed.
Step-wise insurance claim procedure
Step 1: Gather essential data
Right after the accident, you are to gather all the necessary data you find that can stand as evidence of the accident.
Step 2: Report the case to the insurer
Most insurance companies have made a mandated rule to report the accident as soon as possible; hence you will need to be quite prompt.
You must know that prompt reporting is essential, as the car insurance company will begin the investigation process immediately. If you are late in reporting, it can make a rather grave situation for you and might result in getting no claim at all.
Step 3: You are to cooperate with the insurance company
Once you file the claim and are done providing all the necessary information, you must cooperate with the insurance company all the way through. Your Injury Lawyer in Barrie will have to provide all the evidence your insurance adjuster asks for. This will help them to wrap up the case faster, helping you settle the claim.
What to do next?
Based on the type of car accident and the specifications of the insurance coverage you are under, there can be a whole of scenarios. It can be the case that you revive a settlement notice faster than you have imagined, or you will have to negotiate a lot. All these things depend on the scenario of the accident, which is mostly based on factual evidence. To read more Click Here