If you have ever been involved in an accident or witnessed it, you know that the moments following the accident can be confusing. Other than processing the happenings, you may need to get medical attention or help other victims. But even as you do all this, you shouldn't forget to seek compensation for injuries, property damage, or vehicle damage.
The actions you take after the incident usually determine if the claim process will be smooth or challenging. So, if you aren't the at-fault party and need compensation from the other driver's insurance company, you will need to avoid certain errors. This post shares mistakes you shouldn't make if you intend to file a car insurance claim.
Failing to Inform the Authorities
Often people choose not to involve the police after an accident to avoid legal hassles. But, if you wish to claim for the losses you incurred, consider calling the police right away.
Don't allow the other party to convince you not to call the police to settle the matter. Failing to contact the police is illegal. In addition, you will lose the chance to get the police FIR, a document the insurance providers need to initiate the settlement procedure.
Failing to Collect Evidence
The most reliable way to ensure you get your compensation after a car accident is to gather evidence at the crash site. So, don't walk away without taking photos and videos of the area before the vehicles are moved. Your photos and videos should have a surrounding terrain, nearby traffic light, or any other landmark, and show the road conditions too.
Getting testimonials or a statement from the eyewitnesses will validate the settlement claim. The report the police will write will also come in handy. Ensure all the evidence you gather is presented to the insurance company and court to prove that you weren't at fault and deserve compensation.
Leaving the Accident Site
Another blunder people make after a crash is running away from the site or moving the vehicle. This usually tempers with the evidence, so the chances of getting rejection after filing a claim will be higher.
So, stay on the scene and arrange for any required medical assistance without moving the vehicle. Also, use this time to report the incidence to the insurance company — if you don't inform them within the stipulated time, you will likely not get the compensation.
If you avoid these blunders, your chances of getting a claim approval will improve. Also, consider working with a car insurance lawyer because they know how to negotiate. They will ensure you file the claim correctly to get fair compensation.
For more information on auto insurance, contact a professional near you.