Many people feel that having an insurance cover gives them the right to directly file for claims in case of an accident. Well it does, only that not every claim if often settled by the insurance firms and this leaves a number of clients disappointed. You could hold the insurer responsible, but my research shows otherwise. Before reporting any car accidents and filing for claims, take note of the following things.
When it comes to your insurance rate, ask yourself the following questions. Is your premium enough to cover for the liability? How will the accident affect your premiums from this very point? Typically you might find yourself paying more since your risk factor will have increased.
Your previous records will also come into play. Have you been involved in an accident before? How many accidents have you been in? How does the current one affect your history? You don’t want to be caught off guard with high premiums so know how the current accident will play out.
Mexican Auto Insurance suggests that you should also consider your claim history. If you have never claimed before then this could turn out well with you. But if you are a notorious claimer then possibly you are a reckless driver or a fraudster and your insurance agency could want to find out more.
One cardinal rule that many car owners often assume is this – always read every word of the policy. Infused in these policies are intricate factors that you should really understand well. And while many people claim to have read it word by word few actually do. I have seen many people claiming to have been duped when they were at fault by not reading the terms of agreement.
Involving The Police
If there are any casualties involved the best thing to do would be to call any traffic police on the scene. You can follow that up by calling your insurance agent or company. Tragic accidents are never the types than you can brush off easily and following the low will be vital.
Who’s At Fault
Your insurance company will also want to know who is at fault depending on your type of cover. So try determining whose fault it is before calling the insurance agency.
It is very important to report an accident to your insurance agency. However before reporting, you should consider a number of factors. Visit Mexican Auto Insurance to learn more.