It is arguably true that car accidents occur abruptly without any planning. Nearly three million people die worldwide due to fatal road accidents. Perhaps you have been injured in a road accident, and you will want to file a claim with an insurance company to get compensation.
Ever wondered how you can file an insurance claim immediately when an accident occurs? If no, read this article up to the end, and you will better comprehend how to undertake the process.
Types of Insurance Claims
Even before filing a claim, you should understand the two main types of insurance claims, which are the third party and first-party claims. The first-party claim is normally filled with your insurance provider, while the third party claim is filed with the other person’s insurance company.
The majority of the insurance providing companies usually have compensation for third parties who may be injured in an accident.
You should also be aware of which claim to file in case of an accident. For instance, if you cause an accident while driving your car, you should file a first-party claim with your insurance company. If you were hit by another vehicle, perhaps when driving or even crossing the road, you should file a third-party claim.
Process
In case of a car accident, you should file a claim with the relevant insurance company within 24 hours of the accident. You will be required to provide some information regarding the occurrence of the accident.
If you have filed either a first or third party claim, the insurance company will commence their investigations forthwith. The company will need you to provide photos of the scene, details of any present witnesses, and perhaps a more detailed report regarding the incident.
Besides that, you will also be required to present a medical examination report written by a professional medic.
The insurance company will then calculate the damage caused then issue a compensation check. However, if the insurance company feels that you haven’t submitted the required information, your claim may be denied. In such an instance, you will have to process and file a denial claim report.
Filing a Denial Claim and Appeal Procedure
An insurance company may deny your insurance claim due to some reasons such as you didn’t report the incident or perhaps you failed to submit the relevant information.
If your claim is rejected, a notification from the insurance company to notify you of the same will be sent.
The appeal procedure may be different in many cases. It is highly recommended to hire a professional attorney to aid you in filing a claim appeal. Insurance companies have different protocols that you need to follow when filing an appeal. If your appeal is successful, the company will revisit your claim, and compensation will be granted.
Deduction
You should ensure you get a reputable insurance company to insure your vehicle or property. In case of an accident, always file a claim immediately to hasten the compensation process. Prevention is better than cure.
