Car Accident claims
Dealing with your car insurance company after a crash can be a very time consuming mess. Now imagine what it is like to deal with the insurance company of a person you do not know and who crashed into your car. Here are some ideas and things you can do to ensure you maintain your cool and your sanity when you are making a car accident claim with someone else’s insurer!
The driver who crashes into your car and yourself are responsible for reporting the accident to both your and his or her car insurance company. However, you should make sure you contact their insurer as well. Amazingly motorists who cause accidents are often reluctant to report them! Now that is a surprise!
When you are dealing with another driver’s insurance company it is very important for you to get complete information, for your car accident claims, on the other party at the accident scene, including the other driver’s address, insurance company name and policy information, along with statements and contact information from witnesses. Take pictures of the accident scene, the camera on your I-phone will work perfectly. This way, you will have evidence gathered at the scene to bolster your position on the cause of the accident.
You should then inform the other person’s insurer that you have been involved in a crash with one of its policyholders. Relay to them only the basic facts of the accident, even if you believe the other driver to be at fault.
The Gardai will determine who is at fault and that may well help you in your car accident claim. Independently, the insurer will make its own determination of fault, which may or may not match law enforcement’s assessment of fault! The insurer will take into account items such as the Garda report, driver and witness statements and physical evidence.
Although you may feel that you have not caused the accident, you should contact your insurance company anyway. This establishes your good faith in reporting the accident and can aid you if the other party’s insurer denies responsibility for the accident and you need to make a car accident claim.