Insurance: Car Accident Claim – The Best Way To Document It

gdfgIf you’ve ever been in a car accident you know how harrowing an experience it can be. First, there’s the trauma of the accident itself and any injuries that may be involved. Then there’s dealing with the police which can be extremely stressful. But all of that can pale by comparison to dealing with an insurance company later, especially if you’re not at fault in the accident. Filing an insurance claim from a traffic accident, especially when there are injuries, can be a nightmare.

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10 Questions You SHOULD Be Asking About Your Car Insurance

r1. Cheap Car Insurance Is Good, Right? - I know. I’ve seen all the same commercials on T.V. that you have. Everyone tries to Out-Shout each other claiming they can save you hundreds on your car insurance. Price is important, but it’s not everything.

2. What Is the Single, Most Important Coverage I Need? - Most States have mandatory, required liability limits for a reason: Promoting Public Goodwill! Liability is the part of your policy that pays for medical bills and property damage that you are legally responsible for if you are determined to be at-fault in an accident.

3. What is Full Coverage? – There is no such thing as “Full Coverage”. If an insurance company sold you every coverage they had in their arsenal, there would still be things that wouldn’t be covered. An example of this is using the vehicle for illegal activity. Running from the police, smuggling drugs or other illegal substances or people, and intentional criminal acts are good examples of things that would never be covered if your vehicle was damaged or destroyed.

4. If I Am Covered Under My Major Medical Provider, Like Blue Cross/Blue Shield, Do I Really Need Uninsured Motorist Coverage? – If you are paying someone else for health care coverage, why do you want to give another insurance company more money for the same thing? In most cases where vehicles are covered with Collision and Comprehensive, AND where you have health care coverage for you and your family with a Major Medical provider it doesn’t matter if an uninsured person hits you and hurts you.

5. I Have Expensive After-Market Rims and Tires or Stereo Equipment Installed in My Vehicle. Are Those Items Covered By My Policy?
– The basic rule of thumb to determine if these valuables are covered under your policy is simple. If they are installed in the same spot as the factory-installed stuff, you are covered. Rims and Tires are obviously going to be installed in the same location as the rims and tires that came with the vehicle from the factory.

6. Is My Tom-Tom GPS, Cell Phone, or Radar Detector Covered If My Car Is Broken Into and They Are Stolen? – Your policy only covers the vehicle. Personal property stolen from inside a vehicle is never covered under the vehicle policy. Only a Personal Property policy, like Homeowners, Renters, or Manufactured Home insurance will cover your personal property inside the vehicle.

7. What Will Cause My Auto Claim To Be Immediately Denied? – Auto insurance companies all have the same basic set of rules for this they outline in the policy document. The main reasons your claim could be denied are 1) driving without a license or on a suspended license, 2) coverage was lapsed at the time of the accident, or 3) a newly-acquired vehicle was not added to the policy within the 30-day window after the vehicle was purchased.

8. If My Car Is Totaled, How Much Will My Insurance Company Pay To Cover The Loss? - Generally, most major insurance companies cover your vehicle for its “Actual Cash Value”. Actual Cash Value is the depreciated value of your vehicle at the time of the accident where it was totaled. Every insurance company has their own system for valuing vehicles. The closest you will be able to get to this rate is by averaging your Kelly Blue Book values for Trade-in and Private Party.

9. If I Need New Parts For My Car, Will My Insurance Company Pay For Original Manufacturer (OEM) Parts? – In the recent past, many insurance companies guaranteed OEM parts. When the major car companies foundered in the recession, many of them got stuck assuming those parts would be readily available.

10. If I Am Killed In an Auto Accident, What Does My Family Get? – Most people assume if they are killed in a car wreck that their family will receive some sort of death benefit from the auto insurance company. That is simply not true. Some States offer a small death benefit in their medical payment/ personal injury protection coverages, but most do not. Medical Payments coverage will pay up to the policy limits for medical bills only.

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Car Accident Attorney Can Help in the Process of Accident Insurance

fdsfAccidents are not happening knowingly. They may happen due to many reasons. They may happen due to the negligence of the driver. It is advised not to be in the driver’s seat when you have taken alcoholic drinks or any other toxic substances. You have to keep your vehicle in proper condition to avoid the breakdown of any of the parts of your vehicle. Sometimes poor roads also cause accidents. If you can obey the traffic rules, you can avoid accidents to certain extent. Accidents results in loss of life and human disabilities. Hence one has to take all the precautions to avoid accidents.

When an accident occurs some may lose their life, while some becomes partially of totally disabled. Some may sustain minor injuries. All the victims are to be compensated for their sufferings. The compensations are usually made through insurance claims. The insurance claims are settled according to the criticality of the injuries. The insurance claim can be made only if there is a valid insurance for the vehicle. The claim amount will be decided by the judge. It is usually decided by taking into consideration of many points such as the criticality of the disability, the nature of injuries, age of the victim etc. A car accident attorney can help you in this regard.
A car accident attorney will have a very good knowledge regarding the calculation of the compensation. This will help the car accident attorney to give proper guidance to you for making the claim for compensation. The attorney dealing with car accident will have a very good knowledge about the laws in the state. This will help the attorney for car accidents to make proper representation to the accident tribunal along with all the supporting documents to set the insurance amount. He is a registered practitioner of law and is specialized in accident claims. The calculations for the compensations are complex and only the insurance company have the knowledge of it. The car accident attorney can ensure that his / her client gets the best compensation.

To avail the best services of an experienced car accident attorney, you should search in your area through your friends and relatives who might have availed the similar services. This will help you to get an attorney who is experienced. If your friends and relatives cannot help you in this regard, you can do an internet search. This will get you the web sites of all the car accident attorneys. You can short list the attorneys nearer to your area and go through the details provided in the web site and also through the testimonials of the previous clients. By this way you can get more information about the attorney and fix up the best attorney for your service. You have to remember to discuss about the fees of the attorney and also his availability to present before the court. You have to inquire whether the attorney himself will attend the court or a junior will be sent. Take all these matters in to account while searching for an efficient and experienced attorney for your service. While choosing the attorney you have to ensure that you got the best attorney who can help you in getting proper.

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