If You Have an Accident----ur car INSURED??

Your automobile insurance policy specifically spells out your duties to the company if you have an accident, as the following sections outline.

Notification
You must promptly notify your insurance company of any accident you are involved in, regardless of who you think is at fault. The reason for this is so that the company can conduct an investigation of the incident before the trail gets cold. When reporting the accident, be ready to advise the company of the following.

How the accident happened. Write down what happened while it is fresh in your mind. Then, send a copy of your recollections to the company, keeping a copy for your own records. In fact, you should set up your own file about the accident in case you find yourself in a lawsuit with the other party or a dispute with your own company.

Other parties involved in the accident. Your company will need the name, address, home and work phone numbers of the other party or parties to the mishap. You should also obtain the name of the other driver’s insurance company and his or her policy number, if you can. In addition, include the make, model, and license number of the other automobile(s) involved in the collision.

The name and address of any witnesses. It is common for the participants in an accident to have differing versions, often self-serving ones at that, of how the collision occurred. This often leads to a situation where it is one driver’s word against the other’s. For this reason, it is vital that you obtain the names and addresses of witnesses to the mishap who can assist in determining what happened. This is important even if your company will pay benefits, since they have the right to sue the party at fault or his or her insurance company for reimbursement for the benefits paid. This kind of lawsuit is called subrogation.......................


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