A numerous count of car insurance company is in existence today offering
several variations in terms of coverage and claims with flexible cost,
of course. A cheaper policy means lesser coverage, and a higher costing
one has a lot more to offer. Some companies offer coverage of medical
expenses while some don’t.
The problem is you probably signed up for your insurance without a presence
of your attorney. You have agreed upon a contract without thoroughly reviewing
its contents. The bigger problem comes when you get to be faced in an
accident. If you stumbled upon here prior to signing up for your car insurance,
it might help you decide what is applicable for you plus you might want
to consider consulting someone who knows through facts about car insurance
coverage and claims. Let’s say for example, an attorney who specializes
in insurance policies.
If in case you are already on a tight situation, it’s a good thing
to read and equip yourself with basic know-hows so that you could debate
on an even ground.
First Things First
In cases of car accident claims, immediately contact your insurance company
and file a report. In most cases, they will follow up through phone for
additional detailed information. Most of the time, you will be talking
with the insurance adjuster. The insurance adjuster is not a bad person.
He just happened to be the intermediate person, you will be encountering
almost always and will find, who will save the insurance company from
large losses from claims. It is only his job to minimize your claim but
nevertheless you can always negotiate firmly for fair and just compensation.
The Investigation Process
Fundamentally, before the much awaited granting of claims which happened
to be the final step, the adjuster, as part of verifying the validity
of claims and investigating the cause, he may go through meticulous process
to obtain such pertinent details. He may do any or all of the following:
- Ask for a police report for a thorough review.
- Contact the operator of the other vehicle/vehicles involved
- Talk to witnesses and take pictures of the scene
- Check your car for the extent of damage and take photos of it
In cases of injury, he may ask for medical records; in the injury does
not permit you to get it yourself, he may ask you to provide authorization.
He may also have a conversation with your health care providers to reaffirm
It is important that you carefully review your insurance policy especially
for the coverage of bodily harms and injuries. Medical expenses are very
expensive and recovery consumes a lot more time than you might expect.
It will rob you of precious time you could spend with your loved ones
and finishing a big-time project.
Bear in mind that you get the value of your money. Expensive insurance
policies should offer more coverage and claims. Now, to make the most
of it and be sure to get the equivalent value for your insurance investment,
find an expert to walk you through acquiring one and accompany you in
the process of claim. The more you pay for your insurance, the more coverage
and perk you should get.