How to File Claim after a Car Accident
Mesriani Law Group A Professional Law Corporation - Santa Monica Office
|April 8, 2011|
Accidents are considered common occurrences. It may happen at a person’s home, or inside his neighbor’s house, in school, at the workplace, or even at parks and other commercial establishments, and often, unexpectedly. Fortunately, there are some ways that a person can minimize the burden an accident can cause.
Getting insurance coverage assures financial stability to people in case they get plagued by an accident in a major way. Aside from getting help from a Los Angeles Automobile Accident Attorney, filing an insurance claim helps the people to deal with the damage and injuries that resulted from an accident without the possible financial shortage.
Insurance holders need to understand their policy even before an accident occurs, that way they already know what to do after the accident.
* Check to see if anyone is hurt or requires medical attention, especially those who suffered severe injuries. Minor injuries should also be checked since there is a chance for it to become worse or long-lasting.
* Get the necessary information from the other parties involved in the accident, like their name, address, phone number, and their insurance carrier, including contact number. The insurer’s telephone number is usually on the proof-of-insurance cards that the insured person should carry every time he’s driving his car. Share your information with them as well.
* If there are any witnesses, get their names and contact details too in case their statement regarding the accident is needed.
* Remember to file an accident report by contacting the local law enforcement officers. Accident reports can also be filed at police departments, sheriff’s offices, and at your local Department of Motor Vehicles office.
* Notify your insurance company about the accident too. Once the insurer has been notified, an insurance adjuster will review the accident to determine who is at fault. If the accident is the other party’s fault, your insurance or the at-fault party’s insurance will handle the repair or replacement of the vehicle. Using the other party’s insurance will prevent you from filing a claim on your policy, or prevent you from paying a deductible.
* Keep in touch with your insurance company and do not relieve them of their responsibility until the compensation has been settled. Have them handle your claim if the other party’s insurance company is questioning their policyholder’s negligence, or if their settlement is unacceptable.
The views expressed in this document are solely the views of the author and not Martindale-Hubbell. This document is intended for informational purposes only and is not legal advice or a substitute for consultation with a licensed legal professional in a particular case or circumstance.
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