Making a Car Insurance Claim after a Car Accident

Posted: Feb 04, 2011 |Comments: 0 |

Know whose fault was it. The insurance company needs to know who caused the accident so that they can determine who will pay for the damages and how much other corresponding expense will cost. pakistan Insurance After the review of the report and determining whose fault was it and you completing the requirements, the insurer will begin the processing of your claim.

Know your benefits coverage.

  • Liability coverage: Bodily Injury Liability which covers injuries or death if the accident was your fault. It also pays for medical bills and loss of income and in cases of serious injury, it provides for a legal defense should the other file for a lawsuit against you. Property Damage Liability covers the damages done to someone else's property.
  • Physical Damage coverage. Comprehensive coverage covers the repair of your car, the loss or damage of the other vehicle. Collision coverage pays for your car repairs after a collision.
  • Uninsured and Underinsured Motorists coverage. Uninsured motorist bodily injury covers you and your passengers for body injuries or death after an uninsured driver. Underinsured motorist bodily injury covers you when a driver with deficient insurance hit your car.
  • Medical Payments covers your medical expenses. pakistan Insurance Medical expenses of your passengers and pedestrians whom you have struck during the accident also benefits from this coverage.
  • Rental Car Reimbursement covers the rent of another car while your car is under repair or not drivable after the accident.
  • Work loss covers your wage loses if you are unable to work due to injuries acquired after the accident.

Your claim is considered settled when you received the payments. Be sure you know your insurance policy very well for your own protection.

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