Yes, the world seems to be revolving around when you get into an accident. Thankfully you are alive!
After my previous blog regarding the types of car insurance policy, you also need to know, how you can proceed in case you meet an accident.
Here are few tips you need to proceed with after meeting this accident when you have insured car.
1. Give your car insurance policy details alongwith your phone no, address to the person who requires it and your accident has caused the injury or damage to him.
2. If possible take a snapshot of the scene with your camera
3. If there is damage or injury, you need to call the police immediately and wait there till the police arrive.
4. You also need to report your insurance company/broker about the incident.
5. If you intend to claim, before the car is repaired, your broker/insurance company needs to examine it first to assess the actual damage.
It may be the case that, you car gets declared a 'total loss' or 'write-off' and your car replacement cost is much lower than the approved claimed value.
6. If you intend to bear the cost the damage of the third party's damage, your insurer should get agreed to pay.
7. By the time, you get the compensation, you might need to pay for other expenses like hiring car to your home, personal injury expenses etc.
That's it!
My next blog follows with the information on how to claim when your car is stolen
