WEDNESDAY, SEPTEMBER 16, 2020
Accidents are scary even if they’re small. They can rock your sense of safety in a split second. Once you’ve recovered, it is time to notify your insurance provider. You will need to be ready to answer certain questions about the accident so that you can receive compensation as quickly as possible. 
Who, What, When and Where?
Insurers need to know all of the basics about the accident. When did it happen? Who else was involved? Where did the accident happen? Most accidents can be discussed over the phone, but in extreme cases, you may be able to visit the nearest office to discuss the accident in person. Make sure you or someone with you writes down details of the accident. Filing a police report at the time can help you prove the when, where and who.
Were There Injuries?
Injuries are extremely important to document when it comes to your car insurance. If you, a passenger or anyone else involved in the accident is injured, your insurer has to know about it. This is so medical bills related to any injuries can be accounted for and compensated. Liability insurance should cover injuries for third parties, but you will need medical payments or personal injury protection on your car insurance policy to receive compensation for injuries you or your passengers may sustain.
Who Was at Fault?
Most states are fault states, meaning that compensation for a car accident is calculated primarily on who caused the accident. Some accidents are fairly cut and dry when it comes to fault, such as someone running a red light. Others are harder to discern, and you may need legal assistance to determine who is at fault. It is important to be honest and keep documents of the accident so you can receive the compensation you need. If you are determined at-fault for an accident, your liability coverage should help cover the compensation you owe to the other party.
Was a Police Report Filed?
Whether you or the other party filed a police report of the accident, your insurer should be notified. This can help them keep track of the investigation and determine whose fault, at which point they can begin calculating where compensation will be paid. It can also help you accurately calculate the damages done so you receive enough money to cover injuries and damages to your vehicle.
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