Facts to Know About Car Insurance Following a Crash
A car accident injury claim can be an extremely stressful process, especially in regard to car insurance which many drivers may not be knowledgeable about. In the aftermath of a car accident, there are many different ways that your car insurance can be affected and impacted. Being knowledgeable about car insurance processes can be beneficial to your claim, especially when dealing with car insurance companies can prove to be difficult.
It is important to gather all of the necessary information from the scene of the accident for insurance companies. This can include:
- Taking pictures of the scene
- Any damage to your car as well as theirs
- Traffic signs
- Direction the vehicles were driving
Additionally, make sure to exchange information with the other driver, specifically their contact and insurance information.
Whose Insurance Company Should I Call Following an Accident?
In most cases of accidents with clear liability, such as a rear-end collision, where the at-fault driver assumes responsibility for the accident, there is no need to call your insurance companies. If you were at-fault in the accident, it is imperative to call your insurance company. The sooner you can call, the better it is for your claim.
Filing a Claim After a Car Accident
To file a car insurance claim to your insurance, you will need the following information:
- Policy number
- Date, time, and location of the accident
- Description of the accident, the insurance
- Contact information of the other party involved in the accident
- Name of the police department that was involved and police report number
It is possible to file a claim without a police report, but the process of the claim can take longer. To file a claim, you simply have to give your insurance company a call.
Once the claim is filed, the claim representative from your insurance company will reach out to you to go over the claim and the claim process. Once the claim is filed, your insurance company will assign a claims adjuster who will investigate your case and determine who is at fault. The adjustor also works with the other party’s insurance company to negotiate a payout.
How Will My Car Insurance Rate Be Affected?
Car accidents can affect your car insurance rate. However, car insurance rates don’t necessarily increase following a car accident and there are many different factors that can impact this.
- Driving History: Your driving history is one of the largest influencers for whether your car insurance rate will go up or not. If you have maintained a clean driving record for the past couple years, your insurance rate is likely not to raise for minor collisions and not-at-fault accidents
- Severity of the Accident: the severity of your car accident can impact whether your car insurance will increase or not. The severity of your incident and the cost of the claim is the most important factor in whether your car accident claim will increase your rate
- Filing Claims: If you have filed more than one accident claim with your insurer, or filed claims with other insurers in the past three years, your insurance is likely to raises as insurers will consider these past claims as a fair indicator that they will likely need to pay out your claims in the future
Car insurance can be a tricky subject to navigate, especially following a car accident. If you have been involved in a car crash, contact our experienced car accident lawyers today for assistance with your car insurance.