ANSWERS: 1
  • When you are involved in a car accident, you should contact the authorities immediately and leave the involved vehicles where they were at the point of the collision unless doing so would be dangerous to other drivers. You also need to contact your insurance company as soon as possible to start the claims process.

    Assessing Fault

    Your auto insurance provider will begin by determining which driver was at fault or to what extent both drivers contributed to the accident. If the police issue citations or assign fault on the police report, this may contribute to the insurance company's decision.

    Contacting the Parties

    After you initiate a claim with your provider, the insurance company will contact the other party to get its side of the accident story as well. You will also be contacted by the other driver's insurance company for a statement.

    Damages

    A claims adjuster will usually come out from the insurance company to assess the damages to your vehicle. Additionally, the insurance company may ask you to take the damaged vehicle to a repair shop for quotes. Medical bills and proof of lost wages must also be submitted.

    Making an Offer

    The insurance company will evaluate all of the evidence and determine whether or not your claim is valid. If it is, the company will make you a settlement offer. Once you accept that offer, you are compensated in full, so think about the decision carefully.

    Denying a Claim

    If the claim is denied, you will receive written notification of the reason. In most states, you can then sue the other driver in court to recoup your losses.

    Source:

    Bankrate.com: 8 steps to filing an auto insurance claim

    Ronaldson & Kuchler Law Offices: How Does My Insurance Work After an Accident?

    NOLO.com: How does the insurance claims process work?

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