Not My Fault Insurance Claims
How many times have you see another car just about to bump in to yours? No matter how good a driver you think you are, you can’t stop others smashing into you. Such accidents also known as “no fault accidents” keep happening and the first person you will call is your insurance company. The most common question in a no fault accident “Will I have to pay higher insurance?”
Generally speaking if you are not responsible for the accident, you are not made to pay higher insurance premiums.
What You Should Do If In An Accident
If by chance you are involved in an accident, it’s necessary for you to gather information about the people involved in the accident. Getting this information is important especially when the damage and injury is huge. As per the law it’s not correct to leave the accident place, whether you are at fault or not. Even if the other driver leaves the place, you take the initiative and inform the police. In this case the accident will be recorded as a hit and run.
When dealing with insurance companies, it becomes important to gather every minute detail. If possible try to get a witness who will be ready to speak to your insurance company on your behalf and give details about the accident. You can also ask the police to take their statem/ent regarding the accident. The statement should claim that you are not at fault. This statement can also be produced to the insurance companies to prove you are not at fault regarding the accident.
After the accident it’s very difficult, to catch the actual culprit as everyone keeps blaming the others. The person behind the hit and run might never own up or be found. In this situation you have to be very careful, as if you want to spare yourself from not paying higher insurance premiums. You will have to collect proper evidence to prove that you are innocent.
Lodging Your Insurance Claim
After the accident be quick to lodge an insurance claim to the company. Most of the companies allow you to submit a claim online which can be accessed 24/7.
If you are not aware about the policies and procedures of your insurance company, it is better that you visit their website and read the procedure for claiming insurance. Your insurance company will manage your insurance claim procedure, regardless of whether the accident was your or somebody else’s fault. It will support you just like a personal advocate would do.
When You Are Innocent
If you are found innocent in the accident, the insurance company of the other driver will surely call you to take your statement. Be very careful when speaking with the other company. Many a times they play with words and try to trap you in the case blaming you for the accident. They will use all the possible tactics to save themselves from not paying the insurance claim.
Seeking Legal Help
In the accident, which occurred due to someone else’s fault, if you injure yourself it’s advisable that you take a legal help. You should speak with a legal authority, before you speak with the insurance company of the other driver. There are lawyers, who are specialized in personal injury cases. Get hold of these lawyers, as they will fight the case on a contingency fee. In this case you do not pay the lawyer unless you win your case.
If you are found to be a reckless driver, your chances of paying higher insurance premium are greater. Most of the insurance companies believe in insuring secure drivers.
It’s too much of a difficult task when it comes to claim insurance. To avoid this, drive safely and follow traffic rules at all times and maintain a safe distance from all vehicles.
