An auto
accident insurance claim is very important nowadays. People should use it for
their betterment and to secure themselves physically as well as financially. As you know that people are facing many
accidents nowadays in which they face some serious physical damage and property
damage. An auto insurance claim starts with an accident. When anyone of us is
involved in an auto accident and u get any personal injury or property damage
report it to your insurance carriers with in 7 days, leaving it behind whose
fault it is. As it is very important to tell or aware your insurance company
about the circumstances on time from which they can come to know about the present
situation about the damage and file your claim on time according to the
procedures. Now moving on after you have filed your claim now he or she will
determine what kind of coverages you have. If it is a simple claim then yes
this type of claim will have no medical treatment and on the other hand even
the adjuster will then send a check according to the estimated damage. For that
purpose you have to fill some documents or page even you don’t have to meet
that particular person in person
Types of auto accident insurance
claims:
There are 4 types of auto car insurances which
can help you in coverage
Liability coverage: this liability is the minimum
liability every auto driver should legally have.
Comprehensive coverage: this coverage helps you to cover
damage to your auto from things like theft, fire, natural disaster.
Collision coverage: if you’re involved in an
accident with another vehicle or hit an
object like fence, or any animal this coverage will help you to repair or
replace your vehicle.
Medical payment coverage: if you or any of your family member
who are driving the vehicle is injured in an accident this coverage will help
you to pay the cost of medical treatments and bills of the hospital.
Investigating your automobile
insurance claim
Your
insurance company will first investigate a bit
before paying you the claim. The adjuster with come through your policy
and witnesses to the accident present over there, the adjuster will note down
the police report if you have filed. The adjuster will also investigate your
medical expenses by asking or checking out the hospital or your medical doctor
regarding your treatment.
The settlement offer
Now well if
you are very confident about your damage then yes you can give make your own
offer by preempt the adjuster given settlement.
Negotiating with claim adjuster
If adjuster
have made an open offer then just keep in mind that settlements are always on
low side.
Pros/Advantages:
However the
expensive your claims become your insurance company will pay for it all.
Your insurer
will arrange a garage if your auto is not drivable to inspect and repair it.
You may have
a courtesy car available under your insurance.
It helps you
to cover damage to your auto from things like theft, fire, natural disaster.
if you’re
involved in an accident with another
vehicle or hit an object like fence, or any animal this coverage will help you
to repair or replace your vehicle.
Note: This auto accident insurance claim is
very valuable in many means and aspect of your life, you should use it to
secure your life and property from some serious damages because you never know
what’s coming at you in near future. Be prepared.
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