What to do when you face a road accident due to some one else’s fault

Talk to both your own and the at-fault driver’s insurance company first.If you ever have the misfortune to be involved in a car accident, presuming that you and your passengers are unharmed, your thoughts will naturally drift to the financial loss.

In other words, even though your car has stopped, your mind is still traveling quickly.Knowing what to do next can be quite tough, particularly if you feel you weren’t at fault. You can have plans ranging from suing the other driver to contacting your  insurance provider to considering purchasing a new vehicle.

If you cause or are at blame in a car accident, you should:Call the ambulance. If anyone involved in the accident was hurt. Even if no one has been injured, you should call the police if the cars are seriously damaged so that you can obtain a police report. Exchange insurance information with the driver. If the other driver doesn’t object, take pictures of both your car and theirs as well. Everyone’s insurance will benefit from this. Avoid assigning responsibility. Avoid blaming either yourself or the other motorist. Let the insurance companies handle this.

Call your insurance company first if you are involved in a not at fault car accident . Call your insurance provider first before deciding whether to file a third-party claim with the insurance company of the other driver to get them to cover the damage. You might be asked to give documentation of the damage that has been done to your car if your insurance company sends someone to look at it.

You will receive a cheque to cover the costs of your car’s damages or any necessary medical care as soon as your insurance accepts that you were not at fault for the collision. However, a number of variables, such as whether you have collision or comprehensive coverage, will affect how much you receive. The second party covers the cost of any damage to another car. Both your car and the car of the other motorist are covered under comprehensive coverage. You may receive your payment in a few weeks to a month or two.

Many insurance companies will cover the cost of a rental car while you wait for your car to be fixed if you need it.When you submit an insurance claim to the insurance provider of another driver, this is known as a third-party claim. The other at-fault driver, the other driver’s insurance provider and you are all involved in this scenario. You are regarded as a third party.

The other driver’s insurance coverage will typically cover damage to your car, property damage, and medical expenses for injuries up to the policy’s limit if you are not at fault in a car accident. This is especially helpful if the coverage provided by your policy is insufficient. Writing a direct letter outlining your expectations and rights to the at-fault party’s insurance company is a sensible move. Keep a record of all information, including the dates and names of the customer support representatives.