Auto insurance claims are a cost of doing business, and they should not be taken lightly. The higher the auto insurance premiums, the more likely it is that an accident will happen.
There are many ways to prevent these claims from happening, such as installing anti-theft alarms in your car for example.
Car accidents can happen to anyone; they are not just a huge cost to the insurance company but to the driver as well.
The biggest cause of car accidents is faulty roads and reckless driving, especially by those in a rush or distracted by their cell phone.
There's a lot you can do to avoid getting into an auto insurance claim, such as valet parking, keeping your car clean and maintained, and avoiding driving in bad weather. If you get into an accident, pay attention to what's happening around you and communicate with the other party to make sure that everyone is safe and unharmed at the end of it all.
Make sure that your insurance coverage is up to date, with a minimum liability limit of $500,000 per person per incident and $100,000 per incident.
Getting good insurance is the key to preventing auto insurance claims, especially if you're involved in an accident that was not your fault. You will be protected financially and your car will be fixed without any undue stress.
Have a friend or relative write down all the details of the accident so you can begin writing your claim immediately after coming out of the accident.
It's best to not leave this too late, since most insurance companies have a strict time limit for filing claims in court.
If you do need to file a claim it's important to hire an experienced attorney like Horst Shewmaker, one that specializes in accident claims. You should also hire a personal injury lawyer who has experience handling auto accident and injury cases.
Also, any medical care involved should be paid for by the other party's insurer as well.
Do not leave anything out of your report by providing everything that you would expect to need when filing a claim with any insurance company, including your car's policy number and the license plate number if available.
Adding more details will help to prevent any confusion, accusations, or delays to the payout on your claim.
When answering questions from your insurance company, always be honest and accurate with them; do not withhold information on anything that you feel is important.
This might include the presence or absence of seatbelts, etc.
Do not wait too long to file your claim after the accident occurs!
If you do wait too long before filing your claim, especially if this is a major accident affecting you and others, you might be denied when it comes to paying damages.