You might suddenly be struck by a driver that is going over the speed limit. After interacting with the driver, you might realize they might be under the influence of alcohol. They may be at fault, but contacting your insurance provider for help still makes sense. You may wonder how to file an auto insurance claim and get compensated for your damages after a car accident when you weren't at fault. The laws and procedures may vary, but you can make the process easier and smoother.
Gather Information at the Scene
As soon as it is safe, exchange insurance information and get witnesses' statements and contact information. You should also call the police and get an accident report, which will help establish who was at fault and document the details of the crash. Notify your insurer after the accident. They will assign a claims adjuster to guide you through the following steps.
File a Third-Party Claim
Call the insurer of the other driver for your damages and injuries, assuming that they have liability coverage, which pays for the harm they cause to others. To file a third-party claim, you must provide the other driver's insurance information, accident details, the police report, and evidence of your losses, such as repair estimates, medical bills, and receipts.
Work With a Claims Adjuster
After you file a claim with your or the other driver's insurance company, a claims adjuster will contact you to investigate the accident, determine fault, and evaluate your damages and injuries.
The claims adjuster may ask you for more information, such as witness statements, medical records, or proof of income loss. They may also inspect your vehicle or ask you to get it appraised by an approved mechanic. The claims adjuster will then make you an offer to settle your claim based on their assessment of your losses.
Accept the Settlement Offer
Suppose you are satisfied with the offer from the claims adjuster. In that case, you can receive a check for the agreed amount. However, you are free to negotiate with the claims adjuster for a higher amount. Provide more evidence or documentation to support your claim; they may realize that a higher settlement amount is appropriate.
Auto accidents are stressful and complicated, but they are much easier to handle when you are working with an experienced insurance adjuster who will help guide you through the process. Then, you'll receive compensation for any damages you've experienced.
Contact an insurance agent to learn about auto insurance policies.
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