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Here are the top curated FAQ’s which can help you serve as a first responseder when you are involved in the respective incedent
Frequently Asked Questions
When at Accident
How to respond to an accident?
It is important to stay calm and assess the situation. If anyone is injured, call 911 immediately.
Even if there are no obvious injuries, it is important to seek medical attention to be checked out for any hidden injuries.
Ensure Safety First
If possible, move your vehicle to a safe location, turn on hazard lights, and check for injuries among yourself, passengers, and others involved
Notify Law Enforcement
It’s crucial to report the accident to the police as they will create an official accident report, which can be valuable for insurance claims and legal works later on.
Exchange Information
Exchange contact and insurance information with the other parties involved in the accident. Gather names, phone numbers, license plate numbers, and insurance details.
Notify Your Insurance Company
Report the accident to your insurance company as soon as possible. Provide them with all the necessary details, including the other driver’s information and the accident report number.
Contact an Attorney
If the accident involves significant injuries or complex liability issues, consider consulting an attorney experienced in personal injury cases.
Keep Records
Maintain detailed records of all accident-related expenses, such as medical bills, repair costs, and any missed workdays due to injuries. This documentation will be crucial for insurance claims and potential lawsuits.
Frequently Asked Questions –
Will the insurance company guarantee your work?
We guarantee our own work, but the insurance company does not have the legal right to guarantee a third party’s work.
Who pays for repairs?
It depends on the circumstances. If you were at fault, but have comprehensive or collision insurance, the insurance company would pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.
Do I have to accept the insurance company’s appraisal of damage?
No. Check the “Appraisal Clause” in your policy if you have differences with their appraisal. It allows you and the insurance company to gather an opinion from an appraiser you both agree upon, or a third-party “Umpire” if you cannot agree.
Insurance related
Do I have the right to a rental car?
If you have purchased rental car coverage and were not responsible for the accident, you may seek reimbursement from the insurance company or, if another driver was responsible for the accident, their insurance company. If you do not have rental car coverage and were responsible for the accident, you have no grounds to ask for reimbursement. If the other driver was liable, you can generally seek reimbursement from their insurance company.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it’s essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident’s details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.