Someone that has purchased a car insurance policy needs to abide by the policy’s terms. Most policies state that the policyholder must contact the insurance company anytime that he or she becomes involved in an accident.
Who to contact?
The policyholder has the right to contact either the insurance agent or the company’s claim office. Policyholders that have chosen to contact their agent should ask the same agent to contact the claims department. In that case, the same agent should provide the policyholder with confirmation of the fact that the claims department had been told about the reported accident.
What to say?
Make it obvious that you intend to cooperate with your insurance company. Unless you plan to make a 3rd party claim, or unless you are responsible for the reported accident, your own insurance could be helping you to get compensated for your losses.
Learn what to expect. Find out if you should expect a form, regarding the release of medical information. Discover how you are supposed to provide your insurance company with the names and contact information for any witnesses.
What to expect soon after you have reported the accident
Expect to get a call from the insurance adjuster. That adjuster’s job calls for an investigation of each claim, even a first party claim. That means that adjusters are supposed to examine the damage that has been caused by the reported incident.
Cooperate with the scheduling of that examination. Arrange to have your damaged vehicle at a spot where the adjuster can find it and study the damage. Ideally, that examination should confirm your allegations, concerning the other party’s responsibility for the recent collision.
You might feel unhurt during the minutes and hours that follow the collision. Yet that does not mean that you remain uninjured. A doctor should examine you as soon as possible, so that evidence of that same examination can go into your medical report. You have no way of knowing for sure whether or not your body was harmed in some way by the collision’s impact.
How attention to a possible injury could prove helpful?
If the other party were to suggest that there was shared liability for the accident, then your insurance company would have reason to reduce the size of your compensation. In that situation, you would have some leverage, if you could say that a doctor was monitoring your condition.
Your insurance company would not be in a position to ask that you accept only the money for repairs. An injury lawyer in Calgary knows that you would have at least 2 years in which to determine the nature and extent of any injuries. If any minor had been in the impacted vehicle, then you could ask for an extension of the statute of limitations.
An injury to a minor might go unreported, but that same minor should undergo a doctor’s examination. In that way, the insurance company could not claim that no effort was made to mitigate the child’s injury. Parents should keep that fact in mind.