Tuesday, 19 June 2012

Dos and Don’ts While Claiming Your Auto Insurance

There are so many Auto Insurance companies in the market and making a right choice can be overwhelming. Getting the right auto insurance policy can help protect you from financial loss if you are ever getting involved in an accident. You can pay of the legal responsibility i.e. if you injure someone or damage someone's property in an accident. Additional coverage, like property and medical can potentially save you from incurring tens of thousands of dollars in loss if your vehicle is damaged or stolen, or if you are seriously injured in an auto accident.

If you have survived from a major car accident and the next thing is that you want to claim car insurance to fix all the damage occurred in the accident. Before you contact your auto insurance provider, there should be few steps to be followed so that you don’t face any problem in claiming it right.

There are dos and don'ts that you need to keep in mind in order for you to prepare yourself in claiming for your auto insurance.

• You should take some photos of the accident scene like the damages happened to your auto, your injuries and the accident site and other factors that you think is important for your claim. The auto insurance provider will ask you for proof. So you need to be ready with it.

• Make sure that you have already read the entire insurance policy in order for you to understand the fact what your will cover and what it will not.

• You can also look into your other insurance plans and try getting additional coverage or assistance from their side.

• It is important for you to fully understand the cost of the car in case it needs replacement or gap coverage

• Right after the accident, you make sure you call the auto insurance immediately for necessary measures and assistance.

• The insurance provider will take your interview. So ensure you answer honestly and avoid elaborating the answer. Shorter the answer, better the result.

• Never agree if the auto insurance provider make any estimation.

• Do not send any statement to the auto insurance company.

• Do not opt for any cheques from auto insurance company. Always prefer cash.

It is very important that you contact a lawyer right after your accident. However Auto Insurance will give you minimum compensation. You still need to contact a lawyer for many useful tips. He will advice you on what you need to speak and when. Always remember that you need to ask for what is right according to the agreement that you have signed for your auto insurance.

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