Car Accident Claim: Comprehensive vs Third Party Insurance

If your car is in an accident, do not hesitate to file a claim with your insurance company or the at-fault’s party insurance company. Car accident claims Sacramento must be done the right way to increase your chances of getting full compensation.

So, what do you need to do before you make a claim?

If you’re in an accident you should:

  • Not admit at the scene that you were entirely at fault
  • Get the contact information of the other party and people who witness the scene. If the other driver refuses to drop his details voluntarily not to worry your insurance company can get a hold of them through their vehicle registration number
  • Contact your insurance company immediately after the crime occurred. Inform them even if you don’t want to file a claim
  • Take pictures of the accident scene. The shots taken can be used as evidence when making a claim.

 Comprehensive Insurance

A comprehensive insurance policy is a must-have for every car owner who values his car. A comprehensive insurance policy allows you to file car accident claims with your insurance company. However, you stand to lose your no claims bonus if your insurance company can’t recoup all or part of the expenses made from the other driver’s insurance company.

You can still file a claim with the other driver’s insurance for damages, bodily harm, or losses not included in your policy. This is otherwise known as uninsured losses and covers the following loss of income, medical expenses, cost of transportation while your vehicle is being fixed, and much more. And if you have to go with a car rental, choose something similar to your vehicle, not a higher make or model.  To get compensation for all these uninsured losses, you must show evidence.

Make sure your claim is well detailed. You can get help from an expert to assist you. Provide details such as other driver’s policy numbers, details of witnesses, and evidence like photographs to buttress your points.

If you use a broker when buying a policy, then they can help you file a claim. Do not leave any evidence out. More so, keep copies of every piece of evidence.

 Third-Party Insurance

This is unlike a comprehensive insurance cover. If you have third-party insurance, make a claim against the driver and leave the rest of the job for the insurance company. If you are found guilty after investigation, then you have to cover all the expenses incurred from your pocket.

If you are claiming from the other driver, let them know in writing. If the accident involves a company vehicle, do well to notify the company as well. Once you’ve done this, reach out to your insurance company to follow up. It is however the responsibility of the other driver to tell his insurance company

Any response received from the driver or his insurance company, do not hesitate to forward it to your insurance company.

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