Filing car insurance claim – 2016 guide, how to?
Filing car insurance claim – 2016 guide, how to? Even the best driver can sometimes be involved in a minor accident. There may be some damage to the driver’s car. It is possible that the accident didn’t involve another vehicle – it may simply have been an incident where the driver reversed into an outdoor faucet or pole. If there is only minor damage, the driver may think about the value of making a claim on their insurance policy.
When drivers are faced with this choice, they should carefully consider the potential costs and benefits of making a claim in their situation. Some drivers may think that even if there is another vehicle involved, if the damage is small, it may be best to simply pay for repairs to both vehicles and not lodge a claim. Before a driver makes a decision regarding whether to make a claim, drivers should consider all the ramifications of their choices.
If the Damage is Only to the Driver’s Vehicle:
Some drivers only take out liability insurance. If this is the case, then the insurance policy won’t cover damage to the driver’s car, so there is no reason for the driver to lodge a claim. Drivers should also consider whether the damage will cost less to repair than the deductible. A deductible is the part-payment made by the insured driver in the case of an accident. The deductible will vary based on the terms that the driver signed when purchasing insurance. If the cost of repair is less than the damage then the most cost effective solution will be for the driver to pay for the repairs.
Even if the repair costs are more than the cost of the deductible, the loss of good driver discount for several years may result in greater cost to the driver than paying for the repair directly. Surcharges on policy costs may be imposed by company when a driver makes a claim, and these surcharges may last for between three and five years. It is important for drivers to be aware that insurance company monitors and records all contact with clients, and will know that the driver has made the inquiry.
Select Insurance Group has a focus on providing Cheap SR22 Insurance for drivers, particularly those considered to be high risk. Even if a claim is made, company will work to resolve the claim while minimizing surcharges.
If The Damage Involves Other Parties:
If another vehicle is involved in the collision, drivers should always lodge an insurance claim. It is crucially that drivers are aware of the risks of attempting to deal with the damage privately. An auto insurance policy will cover drivers for:
- The cost of repair to property (including the driver’s car, and other cars and property involved in the incident);
- The medical costs associated with injury;
If a driver chooses not to make a claim when another vehicle is involved, they risk significant costs such as medical fees for collision-related injuries, and the cost of repair of internal (non-visible) damage to other vehicles. Without a timely claim, there is also the risk of bearing the costs of lawsuits.
When a collision occurs, drivers need to ensure that insurance company has the information they need to manage a claim. The driver must collect all supporting information. This includes obtaining the insurance details of any other driver; photographing all damage to both vehicles; and (if relevant) photographing the collision site.
The police should also be informed of the collision. They may come to the scene of the collision if the damage is significant; or if there is an injury. If police are not called to the scene, the driver should file a police report. This report will include the information that insurance company needs to effectively manage an insurance claim.
If you had DUI and required to have financial responsibility certificate, we would like to offer cheap SR22 insurance rates. Use our online quote form to get best prices in US.