Get In An Accident?
No matter how toned your driving skills are, there is always the chance that you will get into a car accident. It may not even be your fault, which shows just how unavoidable it really is. People make mistakes, and you need the financial liability to protect you should you make this mistake or it is made by somebody else. What are you supposed to do should this happen?
If you have car insurance, which you should because it is required by law to operate a vehicle, you should contact your insurance agent as soon as possible. You will have to file a claim that states exactly what happened during the accident and what the cause was. Also, you will have to notify them of the damages that were caused. Depending on your policy, all of the damages may be covered, or just some of them. However, if you aren’t at fault for the accident you won’t have to pay a dime, and neither will your insurance agency. This leads us into the next section.
Don’t Say Anything
In order to help protect yourself and your insurance agency, don’t admit fault for the damages until an insurance agent is on the scene. In fact, this may even be required for your claim depending on your insurance carrier. Sometimes, you can get out of having to pay for the damages, and your insurance agency can get out of these costs as well. While it may not seem like making your insurance company not have to pay helps you, it actually does.
If you are found at fault for an accident, you are shown as a much higher risk for the insurance agency. In order for you to keep your policy, you will have to pay an increased amount each month. This is one of the benefits that you personally get when you don’t admit fault for an accident without an insurance agent, as this can be held against you. Having an accident on your record is definitely not something you want.
These are all bits of information that you should know when you get into an accident. Even though there will be injuries involved, there is always the financial side that will leave a lasting impression in your wallet as well. Be smart with your accidents and don’t take fault for anything, even if you did it. At least, don’t admit fault without an insurance agent on the scene. This will save you a lot of money and hassle in the end.
Google By Brian Marquis