When we are on the road, it is always a given that we could run into an accident that either we caused or not. Even when you get into one, a presence of mind is necessary all the time. Negotiating with your car insurance company after an accident can be time-consuming. Negotiating with the other driver’s insurance company? Even more so. Here are some things you can do while keeping yourself together and being calm when making a claim with the other party’s insurance company.
- Collect Important Information
If you’re the one who got into an accident because of another driver, he will be the one to contact his insurance company. However, to be sure, you may contact his insurer as well because some drivers are hesitant on reporting that the accident was caused by them. Do collect the other driver’s name, address, contact information, his insurance company’s contact information and policy information, statements from witnesses, and pictures of the accident. These will prove as your evidence and support your position in the accident.
- Notify Others
Notify the right persons. Now that you have the contact information of the other driver’s insurance company, give them a call and inform them of the accident. Only speak about facts. Both the police and the insurer will conduct their own investigation. Their reports may not always match but rest assured, the insurer will consider the police report, driver statement, witness statement, pictures, actual damages, and other things. Also, you have to contact your insurer as well to file a collision claim in case the other driver’s insurer won’t take accountability.
- Don’t Always Resort to Fighting
If the other driver’s insurer declares that you take payment from your own insurer because they can’t prove that their policyholder is at fault, you might want to hold off from fighting them. The best thing to do is to weigh your options first. If you file a claim with your insurer, they might be the ones to fight the other insurer if they find out that you are not the one at fault. Sometimes, even if the other driver admits to his fault and the police report agrees, his insurer will take his side of the story he made when he reported to them just to steer clear of paying your claim. Also, if you choose to get to battle, you will need a lawyer if the matter is hard to deal with.
- Ask Your Insurer if Nothing Works
Even if it’s not your fault, you can contact your insurance company and make a claim to cover the damages and injuries you had. Collison insurance will cover the repair cost or if your vehicle is declared a total loss. But keep in mind that by doing so, you will pay the deductibles on repairs. But you will be reimbursed if your insurance company has negotiated well with the other driver’s insurer.
Accidents can be a bummer and settling it can drag on for some time. Although they are unanticipated, being prepared will help a lot. If the accident you got involved with is caused by natural calamities like hail, Dent Repair Colorado Springs can help you fix the damage.