After Car Accident
Steps to be taken in case of car Accident
December 1, 2010 | Author admin
We any ways have to be careful in our day to day life, but unluckily bad things do happen. Follow the below given 13 steps if in case you come across any car accident:
1. First thing you need to do is to notify the police on time and call ambulance if in case of serious injury.
2. Do work together with the accessible authorities who come to the scene.
3. Take based on reason steps to safe guard your vehicle from any other loss. Consider moving it out of the traffic.
4. Further try to record every thing what every possible on the scene. Your notes should carry the details of accident, recognition of the autos and people available, and the names and badge numbers of all urgent situation personnel. Take pictures in case possible.
5. Insist on breath tests if you estimate drugs or alcohol are involved.
6. Do not agree on money in any case. Do not confess fault. Do not agree on fail to notice about the auto accident.
7. Have a carbon copy of all police reports.
8. Have the insurance company inspects and evaluates the scratch before any steps are taken to repair it.
9. Cooperate with the auto insurance carrier agent in the examination, protection or settlement.
10. Send your car insurance carrier copies or lawful papers received in relations with the accident as soon as possible. Be sure you keep the originals copy with you.
11. If you are injured, submit to physical tests by physicians selected by the insurance carrier as commonly as they reasonably require. (The insurance carrier do pays the cost of these examinations.)
12. Give your support for the car insurance carrier to get medical reports and other applicable records.
13. Now its time to file a claim.
14. After filing a claim you require to keep a record of expenses you incur as a result of an auto accident, as it may be repaid under your policy.
15. Store copies of all the paperwork in your own managed files. You might be required to refer to it later.
Recorded Statement — Do I have to give one after a car accident?
December 1, 2010 | Author admin
The recorded statement is a guarantee step in the claim investigation process.
Insurance adjusters will be calling you to ask if they can take your statement about the accident. Many people believe that they have to give these statements so the insurance company provides coverage for the loss. Most insurance companies have Cooperation Clauses in them, but none of them can require you to give a recorded statement in the event of a car accident.
You have the constitutional right to remain silent and to not testify against your own person. Even in murder trials, the right to no self incrimination is respected. The concept carries over to car accidents. No one can bound coverage and require you to be in a recording giving testimony of facts.
Taking a recorded statement is entirely voluntary. Do not let the insurance company tell you otherwise. If they tell you that the cooperation clause in your policy says that you must cooperate, then you can tell them that you will cooperate by giving a verbal statement (same statement just not recorded).
The cooperation clause is just that, a clause that requires you to help the insurance company�s investigation. It does not say that you have to do it under a recorded statement. If they are too pushy, then ask them to put their requirements on writing and verify what they are telling you against your actual policy.
Benefits v. Harms of a Recorded Statement
The benefit is that your insurance company will be able to better document your file. If there is a dispute about fault, and your case goes to arbitration, the arbitrator will probably look at a file with a recorded statement as having better evidence than a file without one. I have seen arbitrators decide that one person�s version of events was �more convincing� because she/he was willing to put their words in a recording.
The harms of giving a �bad recorded statement �could be many, delay in the investigation for something that you said that could bar coverage, complete denial of coverage, fault being construed against you, interpretation of your words against you, etc.
If you think that giving a recorded statement is the right thing to do, then consider only giving it to your own insurance company. If the other party�s insurance carrier asks for a recorded statement, have them contact your insurance company and �share� a copy of the tape. This way you only give one statement, and the people questioning you is your own insurance company (the one protecting your interests).
Here are the best 10 tips of what you should do before you give a recorded statement:
1. Make sure you have time to talk. Secure at least one hour of your time.
2. Make sure is time that work s for you and the adjuster�s. Do not do it before the adjuster�s lunch time. They will rush you to get out of the tape without giving you a chance to fully explain your point of view.
3. Have all the information available in front of you. For example, Names, streets, insurance polices, and the police report if possible.
4. Read your police before hand. This way you will know why the adjuster is asking what they are asking, and see if they are trying to find information to deny your claim.
5. Tell the adjuster that you are willing to give the statement only if they give you a transcription of what you said. Make sure you say this on the tape.
6. Remember that you can decline to answer any question for any reason at anytime. Just say it. I decline to answer for personal reasons.
7. Tell the adjuster that you will also record the conversation. This usually puts them in their best behavior.
8. Answer only what they asked you. If the question is what color is the light? then answer should be a color and nothing more.
9. If the question is subjective, decline to answer, tell them that you do not know, or simply just ask the adjuster what they are looking for specifically.
10. Be polite and respectful. If they are rude or anxious, the adjuster�s supervisor will probably side you. But if you are rude, your complaint will be dismissed.
via Recorded Statement — Do I have to give one after a car accident?.
Tips to ensure your claim is processed in a timely manor
November 29, 2010 | Author admin
There are a couple of key factors that will help process your claim within a timely manor:
1. Be sure to fill out all of your personal information on each claim form. Sometimes the company will ask for the information several times on each page, it is necessary for you to complete the information each time. It seems redundant, but it is necessary.
2. Make sure to give your physician the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
3. Make sure to give your employer the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
4. We will also need a copy of your Operative Report faxed to our office.
5. We will need ANY copies of itemized statements, chiropractor visits, or any doctors visits.
6. Claims should be filed within 14 days of the accident or sickness. The sooner we receive your completed paperwork, the sooner the claim is filed and processed.
7. You can check on the status of your claim 24 hours a day by visiting the Insurer’s direct website or by contacting our office.
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Conquering car accident claim fears
November 8, 2010 | Author admin
the other party involved – even if they have suffered an injury resulting from it.
One of these reasons is they may not think their injuries are serious enough to warrant making a claim; however any type of wound that causes you pain or discomfort or impedes your ability to conduct your normal lifestyle is sufficiently interruptive to justify claiming accident compensation.
To demonstrate how seriously vehicle accidents are considered, the UK police force now ensures that serious crashes resulting in death are approached as a murder enquiry, and the organisation has significantly tightened the treatment of road traffic accidents. Each year, official police statistics state that over three thousand people are killed in vehicle crashes, whilst a staggering 35,000 are seriously injured.
Another factor that can lead victims to be reluctant to claim accident compensation is fear of not understanding the legal process and that they could be left with hefty legal bills and an unsuccessful case.
However, your chances of obtaining a financial payout for injuries you have suffered as the result of a car accident are greatly increased by consulting the services of professional accident claims solicitors. A trained legal professional’s knowledge of the law and your rights will improve the chance of your case ending successfully, and many firms also operate on a ‘no win no fee’ basis to relieve the fear of expensive legal bills.
At Claims Solicitors, we have extensive experience in dealing with – and winning – car accident claims, to help you receive the compensation you deserve. We will guide you through the entire legal process in plain, simple English to help you fully understand what grounds you can claim on, the strength of your case and the amount you will receive if you are successful.When a motor vehicle crash occurs, for a number of reasons many victims can feel reluctant to make accident claims against
Car insuarnce – greatest tips
November 8, 2010 | Author admin
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Most of your toenails torn than sue? Well, you are not alone, after an accident or theft of the car, most people do not want to suffer through a long-winded claims.
The procedure for claims after a car accident, is supposed to be easy. After you claim, preferably in an intelligible form, a regulator estimates the cost of restoring the car and the insurance company writes you a check for that amount. Unfortunately, this process is not always so easy for millions of people who claim each year.
Here are some things you can do to settle the claims as quickly and smoothly as possible:
Wear a disposable camera in your car to take pictures of any accident scene. Record the location, time, weather, road conditions, etc. accident. Memory typically fade because notes taken on the ground, are important issues for the future.
Conversely, you can make a rough outline of damage to vehicles and property, as well as the description of any apparent injuries and other factors, if you do not have the camera. Get and keep a copy of the report to police themselves, as well.
Then call your insurer immediately: If you do not, the company could lead to the cancellation of your policy. Follow up in writing as well to ensure that your rights are protected under the law. Reread your politicians aware that the coverage you have and do not have, so you know what you can claim. Request from your agent prior to the filing of detailed information on the claims process and the fact that information about the company may need. Make sure you check the timing as well. Some policies have time limits for filing claims, introducing bills and even resolving disputes.
If your car is stolen, your initial response is to be similar to any auto accident. First, there is a police officer to visit scene and file a police report. Try to have your license plate number and the VIN (vehicle identification number) for the police. If the registration along with the stolen vehicle, try to get a duplicate copy of the transport authorities without delay. Then, notify your car insurance company immediately. Auto insurance claims for stolen cars always take longer to process because the police within a reasonable time to find stolen cars. Stay in touch with the police regarding the development of the investigation. If a car is not a realistic deadline after, get a report from the police in this regard. If the vehicle is seen, tell us immediately.
Be sure to monitor your requirements: buy your claim number and contact the insurance company or a claims adjuster for an update. Some machines insurers are able to let you monitor your claim in a position online. Sometimes write a letter to the governor or the head can get things moving. Be persistent, but not unbearable.
Double-check your policy coverage for the rental of the transport sector waiting. If the mishap was not your fault, you can get a rental car while your car is being repaired, paid for by the other driver’s insurance company. If the accident was your fault, you should have a rental reimbursement coverage. If your car was stolen, and you have insurance, your insurer is likely to award you a certain amount every day for a rental.
So, when you need to claim on your car insurance, you know that everything will be solved quickly and smoothly.
Can Your Insurance Company Afford Your Claim?
November 6, 2010 | Author admin
Choosing an auto insurance policy is often considered to be all about the price of the policy. Sure you want the best coverage you can, and you want to be sure that you will get reimbursed for the types of accidents that are likely to happen to you, and absolutely you want to have the cheapest policy you can get, but what about choosing an auto insurance company that can actually afford to pay your claims?
