Due to the fact that auto accidents can be incredibly stressful, a lot of motorists have no idea what steps to take after they are involved in a collision. The good news is that the process of filing an auto insurance claim and seeking the compensation needed after an accident is relatively straightforward, especially here at EverGreen Insurance Agency. In fact, we want to share three tips for filing an auto insurance claim so Middletown, NY residents are a bit more prepared in the event of an unexpected car crash.
Contact the Authorities
It is illegal to leave the scene of a car accident that has resulted in any significant property damage or personal injury in New York, as is the case with most states throughout the country. Therefore, when involved in an auto collision, contact the local police. When the police arrive, they will conduct a thorough investigation, producing a detailed report of the accident. This report can be used to prove liability for the crash while also speeding up the insurance company’s investigation, thereby expediting your insurance claim.
Although the authorities will create their own independent report, you do have the right to submit your own evidence that you collected from the scene to the insurance company. In fact, it is likely to expedite the process. So, while at the scene of the crash, take photos of the vehicle and property damage, the surrounding area, the weather conditions, etc. Make sure to get contact information from the other driver and any eyewitnesses. Even if you don’t believe something is valuable, write it down or take a photo anyway.
Contact Your Insurance Company
Following an accident, don’t forget to contact your auto insurance company. Do this as soon as possible so they can begin the processing of your claim. You may want to check with your insurer to find out how long you have to report accidents, as many companies require you to report an accident within a specific amount of time. If you fail to do this, your claim could be denied outright.
If you aren’t seriously injured in the accident, you may want to contact your insurance agent immediately, as they can walk you through the exact steps you need to take while at the scene.
EverGreen Insurance Agency is here if you have any questions or concerns. Serving Middletown, NY and surrounding areas, our team can help you with filing an insurance claim or obtaining the proper amount of insurance coverage based on your individual needs. Contact us today for more information.