After your automobile accident, your insurance provider will be sure to ask you questions about the incident. This helps in determining how to handle your accident claim. However, they may not always keep your best interest in mind.
What can you do to make sure you get the most out of your policy? There are a few key questions you should ask your insurer so you may properly position yourself for a successful claims process.
It is important you understand what all your policy covers. You should also make sure you know what your insurer requires of you for you to access your benefits. Be sure to review your policy a few times a year so you remain up-to-date on it and any possible changes.
Information to collect
In general, there is certain information you should collect after an accident. Some of these pieces of information include:
- Other drivers' personal and vehicle information
- Witness information
- Photos of the vehicles (if possible)
Try to collect as much evidence as you can. According to the Indiana Bureau of Motor Vehicles, there is additional protocol you should follow. If any party has an injury, or if there is at least $1,000 in damage, you must call the police. You must also get in touch with your insurer and have them submit a Certificate of Compliance.
Make sure you understand the claim process that follows the submission of your claim. If you have any questions, discuss them with your provider so you may be comfortable moving forward.
Along with these questions, be sure to ask anything else you may not be clear on. It is critical you have a full understanding of the process, what is expected of you, and what you may expect from your provider. When you have all this information, you will be equipped to hopefully benefit the most from your policy.