Car insurance is a vital investment that will act as a safeguard for your car. This is crucial in terms if your car has met an accident or has been stolen.
In this article, we will discuss ways car insurance works and the process of claiming a car accident insurance claim.
What is car insurance?
Car insurance is a kind of insurance that covers the damages that have been incurred in your vehicle.
It also protects you financially if you have been charged liable for causing damage or injuries by using your car.
Car insurance also provides the payment of medical bills if you or your passenger has met an accident or was hit by an uninsured driver or vehicle.
The policy of your car insurance will enable you to have certain protection in specific limits that are agreed between you and your insurer.
How Does Car Insurance Cover In The US?
Car insurance in the US tends to cover a variety of casualties that can occur on the road.
Although car insurance coverage can vary from state to state.
But these are the common factors that are covered by car insurance:
Liability
Forty-nine states in the US mandate the requirement of auto liability coverage.
If you are found liable for causing damage to another vehicle, then the liability coverage will pay for the damage, injury, or lawsuit if you have been sued by the other party.
Comprehensive
Comprehensive coverage will protect your vehicle from uncontrollable situations.
This includes theft, vandalism, falling of trees, windshields or glass damage, or other factors that are out of your control.
Collision
Collision coverage will cover your vehicle if it faces any kind of collision with another car, tree, or fence.
Additionally, it will also cover the damage if your car has overturned.
Medical Injury/Personal Injury Protection (PIP)
The coverage of medical injury is provided in all states of the US. However, personal injury protection is known as a wide coverage that is available in states that requires it.
Both these covers medical bills if you or your passenger has met an car accident that caused injury irrespective of your fault.
Uninsured/Underinsured Motorist Bodily Injury (UIM) & Property Damage (UMPD)
UIM can ensure payment for the injuries that have been caused to you or your passenger if hit by a driver who is not insured or underinsured.
On the other hand, UMPD pays for the damage to your car that has been caused by an uninsured or underinsured driver.
So, these are common coverages that are provided by car insurance availed in the United States.
What Is The Process Of Claiming A Car Accident Insurance Claim?
Car accidents are sudden and unexpected and can leave you confused regarding the whole situation.
If you have been in a car accident, there are certain things that will allow you to acquire a claim at a faster pace.
The things you are required to get your claim after a car accident are as follows:
- Quickly assess yourself and your vehicle for damages. Based on the condition, you’ll have to determine whether you require medical assistance or not.
- Try to note down the details of the other party if the case is where another vehicle has been involved. This will allow you to determine the other party quickly.
- If possible, try to note down the contact details of the witnesses within the surroundings. This will help you in proving the occurrence of the car accident to your car insurance provider.
- Contact your car insurance provider and request for an investigator.
- If you by any chance have access to a partner garage then you have the right to apply for cashless claims for simplifying the process.
- Most car insurance companies require the claim to be raised within twenty four hours of the accident. So it is advised that you do not delay the process for filing the claim.
- Keep all the required documents handy for ensuring that your claim is processed as soon as possible.
The Documents Required By The Car Insurance Company For Claiming For Your Car Accident
Based on your claim, you will be required to submit all the necessary documents for getting the claim.
These documents include:
- Copy of your car insurance policy
- Copy of your drivers licence
- Copy of your car registration certificate
- Report of the complaint made to law enforcement authorities
- Estimate of the damage and repairs
- Medical report in case of physical injuries
- All records of the expenses that are being claimed
- Photographs of the damage or accident if available
Bottom Line
Ownership of a car can be a pleasure, but it is also a responsibility that you are required to keep in mind.
You are advised to have full preparation if your car faces an accident. Due to this, a comprehensive car insurance policy is the only way you can prepare for unseen mishaps.
Additionally, it is also advisable that you are well-versed on the process of claiming for any accident that has been suffered by you or passenger. This is because you might forget important terms if you have faced a car accident.
Due to this, it is crucial for you to effectively make claims to your car insurance provider if your car has met an unfortunate incident.
This is because as they say it’s better to be safe than sorry.
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Jyoti Jha is a freelance SEO content writer for tech , health, and education-related content. With 5 years of experience in the industry, I am creating high-quality content that captivates readers and delivers value.
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