It is imperative that you file a claim as soon as possible. Much of the information you will need to file the claim will be on the police report. If you do not have the police report then you need to provide the following to the best of your knowledge:
- The date and time the accident occurred
- The damage to your vehicle and any injuries sustained during the accident
- The precise location, whether street address or if the accident occurred in another state.
- Laws can vary from state-to-state and this may alter where or how your insurer handles the situation.
- If there were others involved in the accident (children, friends, and the other driver) these names should be on the report.
- Finally, your claim should include the emergency services notified at the time of the accident (police, ambulance, fire department)
Insurance companies recommend that you file a claim even if there are no apparent injuries or damage at the time of the accident. They also recommend allowing yourself to be examined when emergency vehicles are called to the scene of the accident. You may feel fine at the time of the accident; however, there can be damage that is not apparent but can cause expensive medical bills and pain later.
The amount the insurance company will cover will depend upon the type of insurance you purchased. Although the investigating officer has determined that the other driver was at fault there are no guarantees and you may need a lawyer to protect your rights. Click here or call us at 386-200-4283 today for a free case evaluation.