If you plan to file a claim, then you should make an effort to contact your own insurance within 72 hours of the accident that has motivated you to consider filing a claim.
Situations that demand actions being carried out for purpose of contacting your own insurance
• Someone was injured as a result of the reported accident.
• You plan to file a claim.
• You have reason to believe that someone might be filing a claim against you.
Actions to take, when letting your own insurance know about a recent accident
Have before you the notes that you wrote down after arriving home, on the day of the incident that you plan to report. Share with your insurance agent, or with someone in the Claims Department all the facts that relate to that same incident.
Get the name of the person to whom you have spoken.
Make sure that all the information you have shared will be placed on file in the appropriate office. State that you expect to receive a letter from your own insurance company, one that has confirmed the filing of the information on the accident that you have reported.
Plan to arrange for an inspection of the damaged vehicle, unless it had to be towed away from the scene of the accident, as per Personal Injury Lawyer in Peterborough. Allow for examination of those medical records that relate to the claimed injuries.
What to expect, after you have made your call
Expect to have someone come and inspect the damaged vehicle, unless it was towed away from the site of the collision.
If you believe that someone might be filing a claim against you, expect to receive a visit from someone in your own insurance company. During that visit, you could relate any details about what the other party did or said, after the involved vehicles had collided. Of course, if that remark had been made in response to something that you had said, then you should indicate that, as well.
If your vehicle was towed, then you might hear from your insurance that it has declared that same vehicle to be totaled. At that point, you would either have to accept the offer of payment or try to show that the vehicle was worth more than has been offered.
If you have chosen to retain an attorney, then you should share that information with any insurance company that you contact, or any insurance agency that might contact you.
Expect to cooperate with your own insurance company. You do not have to exhibit the same amount of cooperation, when dealing with the other party’s insurance company. If you have retained an attorney, then that agency should be calling that same attorney.