During a lifetime of driving, accidents happen. There are so many types of accidents that can occur on the road. Some that will have bigger consequences than others, depending on if there is one person at fault, if the accident was fatal, if vehicles were in critical shape, or if the driver was on their cell phone.
Going through the accident process, calling the cops. No matter what call the cops! They will get a speedy indication of what occurred, speak with all parties involved, and write an accident report. They will indicate where your claim number, which will be needed once calling your insurance company. The claim number is used to assign a claims adjuster who then follows up with all who are involved. Once they gather all need statements, hospital bills, doctor’s notes, etc. they will determine who was at fault.
If a vehicle was damaged, the insurance will then drive out to see the car and they will be able to tell you if the car can be repaired or if it is time to get a new vehicle.
Proving negligence is a big part of seeing who to point the finger at. Seeing how much you and the other driver (percentage wise) are at fault, will tell who the blame should be put on. You must be completely blameless for the accident in order to for it to be negligence.
In a case where no one is at fault, most insurance companies have a no-fault car insurance which indicates that in these cases, each insurance company pays for their policyholder’s damages.
This process takes over two weeks to be fully completed depending on how bad the accident actually was. If hospital bills and doctor’s need to be paid by an insurance company, the insurance company waits for all your bills to come in. Reading up on your insurance policy is important in the case that you do happen to be in an accident. Insurance Policy’s change over time and sometimes, people don’t even notice until they are in need.
Accidents are taken very seriously as they can harm a person, a vehicle, and your pockets. Avoiding accidents does not exist. Even the most careful drivers will get into at least one accident. Being prepared, knowing the ins and outs of your insurance company, what they cover, and what you might need to pay are good ways to stay on top of things.
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