Car accidents can cause severe amounts of stress, which can lead to reckless behavior. To avoid embarassing situations, follow these guidelines while submitting a car insurance claim:
Say that you were involved in a minor accident with no life casualties but with only minor damage to your car. First make sure that you and your companions as well as pedestrians are not injured. In the case they are offer them first medical help using your medical kit in your car. Make sure you buy one since you may run into problems if you do not provide proper first aid.
Memorize the license plate of the car that caused the accident. It happens quite often that people naively believe that the villains do not want to try to escape from the place of an accident. If possible try to exchange your driving licenses so that both of you may get down contact details.
Call the police unless the accident is extremely minor. A police report may be necessary to file an insurance claim. Therefore, if the claim amount cannot be amicably resolved between you and the other driver, call the police.
Keep your insurance company's contact information on your person. When you call them, they will need information such as place, date, and number of participants in the accident. Report these as soon as possible.
If the police was involved ask them to file the report to the insurance company. Do not forget to ask the other participant for his/her insurance number so that the two insurance companies may negotiate deal between themselves. If the car is drivable and you have an option to ask somebody else to give you a ride then go for it. Dealing with police and insurance companies might be quite stressful even when there is no accident. Being already stressed too much your driving skills may go down and you needlessly expose yourself to another risk of having another accident.
Monitor the status of your insurance claim, but don't be too impatient. Claims can take weeks or even months to resolve. In an unexpected circumstance, do not hesitate to call your insurance broker.
Submitting a car insurance claim may be very stressful situation. However, if you keep your head cool and try to think rationally everything should be fine. The most important advice that might be stressed is that the more information you gather about the participants, place and time of the accidents as well as contact details of people involved more likely it is that your insurance claim will be successful and you will get as much as you had thought when you were checking cheap car insurance quote of this company.
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