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Dealing With Your Insurance After a Car Accident

Dealing With Your Insurance After a Car Accident
If you are ever in a car accident, one of the first calls that you should make is to your insurance company. Your health is important as well. Some insurance companies will pay for a medical examination to determine if any injuries were sustained in the accident. If the car accident was your fault, then you might see an increase in rates each month as well as points on your policy.

Take as many pictures as possible. There should be pictures taken at the scene of the accident and of the car after it has been moved. Make sure you have details of who was at fault. Statements by those who saw the accident are good to turn into the insurance company as this can help back up your claims. Your finances are likely important, and if you can prove that the incident was the other driver’s fault, then it could lead to saving money as your rates won’t increase. You need to find out what is covered by your policy. If you need repairs, then most policies will cover them after a deductible has been paid. You might be able to get a rental car for a certain amount of time or get the car towed from the scene to your home or a mechanic. Keep a detailed account of the conversations that take place between you and the insurance agent. Some might not keep a complete record, and there might be information missing when you complete the claim. Even if the accident is your fault, you need to be honest instead of trying to keep something from the company.

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