Mohits Recent Blog Post: Car Accident Insurance Claims

To get the money from insurance claims car accidents, you first have to know that the insurance policy pay for damage to your vehicle. There are two main insurance policies that pay for the costs of auto repairs. The first place to look is on ....

Liability Insurance
If you want the money from insurance claims car accident, you must file a third party claim against the other driver's insurance liability for damages. A third party claim is increasingly wishing to file an accident claim against the insurance provider of another driver. The driver and the insurance company are the first two games, you're the third.

Generally, the liability insurance sufficient to cover the cost of a traffic accident between.
Even if the other driver bought your state minimum liability insurance, you will find it enough to pay for the repair of your vehicle. For example, the minimum state of New York, property damage liability insurance is $ 10,000. Other minimum requirements of the states are between $ 5,000 - $ 25,000.

The first thing to do is get a copy of the insurance the other driver. This way you can check the amount of money potentially available from her / his liability insurance. The liability insurance will be listed as three numbers in the first two numbers are for bodily injury limits and the third number is for property damage.

For example, a New York State insurance liability can read 25/50/10. One could interpret this as "$ 25,000 for each injured person with a limit of $ 50,000 per accident and $ 10,000 for property damage." Now you know the most you can get your car insurance claims for property damage accident is $ 10,000. You can then determine if this will be enough to pay for repairs to your vehicle.

However, just because the insurance company may pay for your damages, does not mean he will. You still have to prove the other driver caused the car accident. This means that you have to collect evidence such as photos, car accident reports, witness statements, etc. The car accident insurance claims process can also take months to complete, because insurance companies are not really in a race to pay for your damages.

This makes dealing with another insurance company really frustrating and time consuming. To avoid this, you can file an insurance claim car accident in the ....

Collision coverage

Collision coverage is an insurance policy with your own provider you pay for your auto repair costs, regardless of who caused the accident. The benefits of filing under the collision coverage are:

You are guaranteed to get the money for the damages of your car.
You save time because they have to gather evidence against the other driver.
Car insurance accident claims process is smoother because it is your own insurance company instead of another insurance provider.

The whole process can be completed quickly and you may receive an accident settlement check in a few weeks.

However, the disadvantage of filing under your own collision coverage is that you must pay a deductible. The deductible is usually a few hundred dollars to be paid out of pocket. Once you have paid the deductible, the insurance company will pay for the costs of repair.

So you have to decide if it's worth paying the deductible to get your vehicle repaired quickly, or not pay the deductible and are prepared to convince other car insurance company pay for damage to your car.

Article Source:- http://paundo123.blog.com/2012/03/06/car-accident-insurance-claims-how-to-pay-for-auto-damages/

7 comments:

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Tuesday, March 6, 2012

Car Accident Insurance Claims - How to Pay For Auto Damages

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