There can’t be too many commodities in the modern world that consumers will purchase in the hope of never having to use it. It‘s highly unlikely that anybody in New Hampshire would consider buying a cooker on the pretence that they will never have to cook on it, after all! Unfortunately, there will always be times when auto insurance has to be used for the purpose it was originally purchased for and there are ten considerations that all road users should remember if they ever have to make a claim.
1 – Who else was Involved in the Accident
Make sure that you gather as much information about other parties involved in the accident. Take down names, addresses, telephone numbers, driving insurance numbers and any relevant auto insurance information. By having the correct information to hand, your claim can be settled by your auto insurance company in the shortest possible time.
2 – Witnesses
Witnesses have a vital part to play in any auto insurance claim as they can usually provide independent accounts of what happened with any obvious forms of bias. Be sure to take down contact details from any witnesses present and pass them over to the police and your auto insurance company for an easier resolution.
3 – Police Involvement
If the police were called to the incident, make sure that you record the details of all officers who attended the scene. Take down the number of each officer present and pass on their details to your auto insurance company. Although it can take up to three months to obtain a police report, the information can be used to determine who was at fault in the accident and this could save you money on any future auto insurance quotes.
4 – Vehicles
Your claim will be handled more effectively by your auto insurance company if you can supply the make, model, year, license plate and VIN number of all other vehicles involved in the accident.
5 – Location
Always try to be as precise as possible when you are passing over details of the location where the accident happened. Make a note on paper immediately after the accident and include all intersections or street names. Be aware of other road layouts such as the number of lanes of traffic, road markings and signage. Be clear about where the point of impact occurred and the direction in which each vehicle was travelling. By providing as much information as possible, your auto insurance company will be able to build a clearer picture of what happened and your claim will be dealt with more effectively.
6 – Passengers
Make sure that any information relating to passengers travelling in each vehicle is passed on to your auto insurance company. The more information that your carrier can gather, the easier the claims process is likely to be. Always take names, addresses and telephone numbers as well as making a note of any injuries that were sustained when the accident happened.
7 – Condition of Vehicle
Take extensive notes relating to the condition of all vehicles involved in the accident. Often, other motorists will elaborate about the damage caused to a vehicle in an effort to get additional repairs covered by your auto insurance company. As well as being dishonest, this illegal practice will eventually lead to an increase in your auto insurance rates if you are eventually deemed to be the at-fault driver. Make sure your auto insurance company is aware of all panel damage and broken fittings on each individual vehicle.
8 – Choice of Body Shop
If you have a preferred body shop to carry out any repair work, make sure you pass their details on to your auto insurance company. In many instances, your carrier will work in conjunction with approved body shops in your area but as a consumer, you retain the right to take the vehicle to a location of your choice. However, you will be asked to justify your choice if the estimate for repair exceeds those given by approved body shops.
9 – Retain all other Information
Make a note of any other information that was exchanged between you, other motorists involved in the accident, eyewitnesses and the police. If promises or agreements were made at the scene of the accident, make sure that these are noted down as well. Try not to rely on memory and record as much information as possible. Your recollection of events may become cloudy after a few months but having everything on paper will serve to refresh your memory while your claim is being reviewed.
10 – Pictures
Most road users in New Hampshire now carry cell phones with integrated cameras and these are ideal for taking photographs at the scene of an accident. Be sure to take pictures from every conceivable angle and do not move any vehicles until you are completely satisfied that all the photographs you need have been stored. A digital camera in your glove box will serve equally as well.
The Claims Process
It is very difficult to establish a timeframe for any claims to be settled. Each individual auto insurance company will employ their own methods and some carriers will be able to provide a faster resolution than others. In addition, the scale of the accident will also establish how quickly your auto insurance provider will operate. With police reports taking so long to obtain, it is not unreasonable to expect a delay of up to three months before your claim is finally settled.
Having the Best Policy
If the thought of making a claim is already beginning to cause you concern. Why not purchase your next policy through Promiga Auto Insurance Quotes? We work in harmony with a wide range of A-rated auto insurance companies who have extensive experience in dealing with all types of claims. Every single one of our partners has enjoyed positive reviews from leading industry expects for their levels of competency in providing resolutions. We offer site visitors one of the biggest selections of free auto insurance quotes to be found anywhere and all of our policy offers are available without the need to disclose sensitive personal information.