This Blog was posted for you By Ed Cuellar Insurance Services in San Antonio
Road accidents are inevitable. But there are times that these accidents are not your fault. Therefore, you will be dealing with the car insurance company of the other party involved. Of course, this can be confusing since you are not familiar with their coverage and the whole insurance system.
All of the experts advise that when involved in an accident, it is essential that you gather all the information about the driver. This includes details like the full name of the other party, contact numbers, address, insurance company, policy number, the address of their insurance company, their number, and the agent if he has any. Make sure that you call the insurance company of the other party immediately after getting the number.
This is important although you know that the other party who was at fault in the accident will be responsible enough to call his insurance company about the recent event. There are some drivers who are reluctant to inform the insurance company about their fault.
Inform the insurance company of the other person that one of their policyholders was involved in an accident and the other party is you. Also, do tell them about the damages just like injuries and properties. The police report will tell the insurance company about the person who is at fault in the accident although you would claim that it is not you who caused the accident in the first place.
Moreover, you must not also forget to contact the insurance company of your vehicle as well. Just tell them about the accident report and how you feel that it is not your fault. This would be in your advantage especially if the other party would deny their responsibility regarding the accident. Remember that the insurance companies of the other party would be paying you for all the damages caused by their client. Therefore, you should not be surprised if they deny that the accident was because of their client’s fault.
Next is to ask your car insurance company and the insurance company of the other party about the repair quote for your vehicle. The driver at fault’s insurance company must be the one who will pay for all the expenses of your vehicle’s damages.
The said quote may also be needed if you would like to have your vehicle be repaired in your local garage or in any repair shops that you like before they start working on the damages. There are a lot of states that will let you decide on the auto repair shops although car insurance companies sometimes recommend some garages that have repair facilities.
Make sure that you immediately ask for the estimated quote repair from the insurance company of the driver at-fault. You must also secure the necessary documents and repair authorizations so that you do not have a hard time afterward. If you decide to handle things on your own, there might be problems with the insurance company, with the expenses in the repairs, and even dealing with the driver at fault as well.
Regardless of which insurance company you are negotiating with (yours or the at-fault driver’s), maintain your cool and remember they are there to help you. Follow the insurance company‘s advice, including obtaining a police report, getting a qualified insurance quote estimate for repairs, and keeping all parties involved informed and up to date.