If you have ever been involved in a car accident, you know how scary and traumatic the situation can be. If you've never been in a car accident, consider yourself lucky. The following checklist is a good resource to know what to do when an accident occurs. It is also a good reminder to those who have been involved in an accident in the past.
If you are a customer of Alan Galvez Insurance, download our mobile app today and you can report a scene directly from accident, as well as attach pictures and call a tow truck.
– Record all the necessary information at the site of the accident.
– Report the accident to your agent and / or insurance company. (Find out in advance who to contact.) Many insurance companies have 24-hour claims service, so if the accident does not occur during normal business hours, it may be best to call the company's claims service number.
– Have your vehicle towed if necessary to the garage of your choice. (Remember that it is best to plan in advance which store to use.)
– Ask your agent or insurance company representative how to proceed and what forms or documents are needed to support your claim. This may include "proof of loss" forms as well as medical and car repair bills.
– Keep records of any expenses you have incurred including medical and hospital costs, lost wages and even the costs incurred if you need to hire a temporary housekeeper. Some of
these expenses can be covered according to your policy.
– Keep copies of all paperwork that results from the accident.
– As the claim develops, stay in contact with either your agent or, more likely, the claims manager assigned to the insurance company by your case. If you have any problems handling your claim, notify your agent. He or she may be an advocate for you.
– Be careful about "pulling the lawyer card." You do not threaten to call a lawyer until you are fully convinced that your claim is not being handled properly and will not be, no
no matter what you do. When you hire a lawyer, your insurance company will not be able to communicate directly with you. Hiring a lawyer also creates a hostile situation. Use Legal
representation as a last resort.