A single car accident can cause damage worth thousands of dollars. The medical bill and various other fines included can be a huge amount of money to pay. Having car insurance, can save you from the load of paying the entire bill all by yourself. However, there have been instances where people get into a car accident, file a claim and due to some reason end up paying for damage all by themselves. After the car accident, you can take adequate measures so that your car accident claims can be approved. First, understand what policies are included and excluded.
Liability, Comprehensive, and Collision
In case, you are involved in an accident where it is other party’s fault, you are entitled to get compensation from their insurance company. However, you must always keep in mind that you are a legitimate driver before you drive a car. You must get all information and evidence regarding the opposite party. If it is opposite party’s faults that have no insurance, you might end up paying completely for your damage. If a car gets damaged due to stationary object or cars, which does not include any collision, comprehensive collision comes into the scene. Sometimes, damages are caused by flood, animals or other natural calamities.
If the car is stolen, insurance can be claimed under the comprehensive coverage. In case, you do not report theft caused due to leaving the car keys in the car to the police immediately, there are chances that your claim will be denied by the company. In the case of any inanimate object such as a pole that has caused damage, collision covers it. Keep in mind that no information is withheld from the insurance company. All records, receipts and paperwork must be kept safely. In case, you make any modification in the car, do remember to inform the insurance company.