Filing a claim for accident insurance is very simple, but the anticipation regarding the accident make the process seems very tough to get completed. If you file your claim correctly, in the right way then it should be processed in less than a week?s time, though it may take nearly a month before you receive your check for any medical expense or hurt.
After an accident, the first thing you must do is ensure that everyone is safe. In case of a grave accident, you must immediately question someone to cal at 911 for help. You must also remember to not rush into admitting your fault. If it gets proved that the accident was not caused due to your mistake, you may still have to have the compensations. Try to get control over the situations, cool people around you and then approach the other driver or drivers
You must not get involved in any other thing except exchanging information with the driver or drivers. Get each other?s names, phone numbers, addresses, and other insurance details. You can wait for the police officer to come and do this for you if the other party seems offended. After the police officer arrives, they will make a report with whatever information available.
Before anything else is done you should take a few quick pictures. Of course, if you are in a busy area they will want to get the cars out of the way as soon as possible, but you need to get pictures before anything is went. Get pictures of the hurt to both cars and the surrounding area.
This is also the time to call your claims agent. If everyone has a small time to wait the agent can come out immediately. They help take pictures, question witnesses, and get the tale straight. They will also help you fill out the claim form, whether it is over the phone or in person. They need to know the exact time of the accident and where it was. Try to get a copy of the police report and send it in if possible.
Generally, you are free to leave the scene after you have called your claims representative, taken pictures, and exchanged information with the other car driver or drivers. Even if it is a light accident, you must not and leave the spot without exchanging any information otherwise it would be called a hit and run. The insurance check should come by mail, but this can take weeks or may be a month. You will most likely have to bear all the initial costs from your own pocket.
You can question several things to the claims agent to clearly know the claims procedure. You may question things like your coverage details, as different types of plans offer dissimilar coverage. You may question the agents as to when the remaining paper work is due, though its generally done in less than a week. In case of grave accidents, you may get your lawyer have a look at your legal formalities and paper work.
Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.
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