Car Insurance claims usually exist and are made for two specific reasons. Firstly, a car accident can be quite expensive and without insurance claims, we would have to be fixing cars directly out of our pockets. On the other hand, whenever people are involved in a two or more car accident, it is sometimes quite difficult for either party to come to a conclusion about who was at fault. In situations like these, insurance companies, with the aid of police reports are able to mediate the situation and fix whoever car that qualifies to be fixed. This article will provide a brief illustration of the procedures involved in filing a car insurance claim.
Whenever the accident isn’t severe enough to involve the police, neither party goes to the police department, a report will be absent from the claim. As a result, it becomes your sole responsibility to get detail information about the accident and the credentials of the other party involved. For best results, however, it works to your advantage to have a police report filed. Because without one, it will end up being your word against theirs.
If you have a comprehensive car insurance policy, the insurance will usually fix your vehicle regardless of the situation. However, based on whatever information you provide (and police report if available), they will pursue the insurance of the other party for total reimbursement, if your insurance thinks they were at fault. If it is obvious that you were at fault, the worst that might happen to you is a hike in your insurance policy. Generally, when claims are filed, the insurance company exists to get the hassle out of the procedure and get you and your vehicle back on the road as soon as possible.
One a few occasions, your insurance company might not pay out to fix your car or the other party’s. This usually occurs whenever there are discrepancies in the accident claim or the policy itself. So, one must be extremely careful that the entire truth is being represented at the start when the policy was created and when the details of an accident are being recorded. For example, if you were drunk and fled the scene of the accident, misrepresenting that information in your report to the company gives them the right to deny your claim and void your policy.
In the case of a severe accident where people are injured, it is essential and possibly mandatory to have the police involved. In cases like these, word of mouth and witnesses will not be enough. However, documentation and signature from the relevant authorities will be necessary to substantiate your claim. There will be many instances where blame being tossed around and expenses covered, so either the insurance company involved will want the responsible party to stand the consequences. What if the accident was because your son was playing Mobile Legends on MAC laptop, distracting you with loud music? How do you reveal that fact for the police?
All these processes will be mitigated if one has comprehensive insurance. When filing a claim, this is what ensures that the insurance company fights on your behalf and or covers the damage to your vehicle. Comprehensive coverage is even more essential when your vehicle is damaged while unattended. In a situation like this, it is useless to file a claim without comprehensive insurance because the other party involved is unknown.