There is no assurance that the insurer will compensate any claim you make just because you got into an accident. The situation can even get worse if the request is valid and you have faithfully been paying your insurance charge. This is why you need to observe the following steps after an accident to ensure that your claim is successful.
Contact the Police
Not everyone remains calm in the event of an accident. As a result, remembering certain details becomes challenging. It is hence necessary to contact the police and ask them to arrive at the crime scene. The aim is to have them record the occurrence and ensure that the prevailing situation is put under control, especially if the other party is proving difficult.
File a Report on the Accident
The greatest mistake that people make after calling the police is assuming that they have filed a report. No! You need to visit the nearest police station and make an official report on the accident. Doing so acts as legal proof that the accident occurred and may help in case the insurance company denies compensation of the claim you are bound to make later.
Gather Information about the Accident
Here, you need to obtain all the documentation that justify the details of the accident along with what you know. These documents can include the ones the police have as they are legally documented, unlike your words which anyone can easily question. Other tangible data about the accident apart from the police documents such as a neutral party who witnessed the accident could serve as a source of information which could add value to your claim.
Contact your Insurance Company
The last but most essential bit is contacting your insurance company. The primary purpose of containing the insurer is to inform them that you were involved in an accident so that they can send their claim specialists. You do not want to make things complex. Therefore, ensure that by the time you are calling the insurance company, you have followed the above three procedures and have tangible information revealing that the accident took place. Influencing this is the fact that the claim specialist’s role is to investigate and try to find out any missing links that can question the existence of the accident before compensating your claim.
It is practical to seek medical attention as soon as possible before following up with the claim as your health comes first. However, this should be fast since taking time to issue a claim is a prime factor explaining why insurance companies deny compensating their clients after an accident. Accidents can sometimes be fatal, and in case you are a victim of this type of accident, you are bound longer to do a follow up on the claim. In such a case, present your claim along with medical documentation as they act as evidence showcasing why you took long to present the claim to the insurance company.