Any accident whether minor such as a small ding on your bumper or a high-speed collision on a highway causes too much stress when it comes to getting the repairs completed. For that reason, it is important to know what to do in the event an accident occurs to minimize stress in catering for the repairs as much as possible. However, most car owners do not have enough funds in their emergency kitties to cater for the vehicle damages hence settle for reimbursement by the insurance company. There are many steps you may need to follow to be reimbursed by an insurance company for the damages caused as a result of a car accident as will be discussed here.
When filing a car accident claim, you may first need to exchange information. With this regard, you should exchange insurance information with any other drivers especially if you have no idea on what to do in an accident that is not your fault. Once you have the other driver's insurance information, it is easy to deal directly with the insurance company so that you get reimbursed if it finds its driver to be at fault.
Secondly, you may need to document the scene of the accident. With this regard, you should take pictures of the accident scene and also the damage to all the vehicles involved. You can also request for the contact information of some witnesses if there are any so that they can verify what happened and if necessary, you can also call roadside assistance. In the event you get involved in a minor accident and have no idea what to do, you should ensure that the police come and file a report. By doing so, you will be able to save yourself from stress in case the other driver changes the story as the police record will be your best defense.
The other step in filing a car accident claim is to call your insurance company as soon as possible to review your coverage and also talk about the insurance claim process with regards to what is covered by your policy. Once you get all the necessary information from your insurance, you can file your claim. You can also check for rental car coverage in case your car needs repairs because the chances are that you will need a rental car. With this regard, you may need to confirm with your insurance or that of the other driver to see if rental costs are also in the policy. When filing a car accident claim, you may also need to get an estimate of the cost of repair of your car and negotiate the repairs.