No matter how safe you drive, you could meet with a car accident. A car or an SUV comes out of nowhere and hits you and before you realize, it's an accident. Accidents could be stressful and you would be in trauma. This causes you to make mistakes which could prove costly.
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The first thing you do after a car accident is you check yourself for injuries. Move your hands, legs and check the neck, back and head for injuries. Walk in a straight line to check for a concussion.
STEP 2: Call for help
Call an ambulance if the car accident has resulted in casualties or a serious injury. Call your Insurer's Road Side Assistant and they will tow your car to a garage for cashless repairs.
Use your Smartphone to photograph the damage caused to your car and other peoples cars (say a third party), because of this accident. Also photograph the location of the accident. Photographs strengthen your claim. It could prove that the accident is because of the negligence of the other party.
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Take a paper and note down the Name, Address, email ID, mobile number of the other car owner who has crashed into your car. Jot down the car model number and the number plate of the car which was involved in the accident. Take down the name of the insurer of the other party (party involved in the crash) and the insurance policy number.
Call the police to the scene of the accident, immediately. If they don't reach fast enough, visit the nearest police station and file an FIR. (First Identification Report). Give a description of the exact incident that took place and present your evidence. Note down the complaint number.
You now have to get your car back to work and the best way to do so is with insurance. These tips should help you make a successful insurance claim.
1. Schedule an inspection with the insurer
Call your insurer and ask them to send a surveyor to access the damage to your car. Be present when the surveyor comes over and show him the scratches, dents and breakages to your car.
2. Follow up on your insurance claim
Your insurer will go through the police report, the witness statements and all the evidence collected. The insurer will determine the party at fault and make an estimate of the costs.
3. Get your car repaired
Insurers have networked garages where you enjoy cashless repair facilities. Be Wise, Get Rich.
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