BE A CRASH TEST DUMMY
According to the National Highway Traffic Safety Administration, more than 5 million motor vehicle wrecks occur every year. If you were in an accident, would you know what information you need for an insurance claim? The National Association of Insurance Commissioners (NAIC) offers these easy to follow tips to get the necessary information following a crash.
Ask your insurance agent to explain the important elements of your policy to you, including your deductible and liability limits. You may even want to consider adding uninsured or underinsured motorist coverage to your policy if your insurance provider offers it. This clause could help protect you if you are in an accident with an uninsured or underinsured driver, and the accident was their fault. Check out this consumer alert for more information on your policy.
If you are a parent with a teen driver, sit down with them and talk about the risks of unsafe driving before you hand over the keys. Research shows that teens whose parents establish rules associated with driving privileges are less likely to get in a crash. For tips on how to prepare your teens for safe driving, click here.
To help take the worry out of collecting information and filing an insurance claim, the NAIC developed WRECKCHECK, a free mobile app for iPhones and Android devices. This award-winning app walks you through a step-by-step process to create an accident report. WRECKCHECK allows you to take photos of the scene and document only what is necessary to file an insurance claim. You can even send the completed accident report to yourself and your insurance agent. If you don’t have a smartphone, you can download a printable checklist here to keep in your glove compartment.
WRECKCHECK also provides tips on what to do immediately following an accident:
Your insurance company should be able to file the claim and work with the other insurance companies on your behalf. Keep in mind that you may be asked to do an interview with the other driver’s insurance company so that they can investigate the circumstances of the accident as well. A claims adjuster or auto repair shop will likely examine the damage to the car and talk with you about the accident. Your insurance company will use the adjuster’s findings as the basis of their settlement.
Talk to your insurance company about whose coverage will pay for damages to the vehicles, for rental car expenses or medical costs as a result of the accident. Some of these expenses will depend on who is at fault, what coverage you have on your policy, and what state you live in.
For more information and tips on how to save money on your premiums, visit www.InsureUonline.org.
The National Association of
Insurance Commissioners (NAIC) is the U.S. standard-setting and
regulatory support organization created and governed by the chief insurance
regulators from the 50 states, the District of Columbia and five U.S.
territories. Through the NAIC, state insurance regulators establish standards
and best practices, conduct peer review, and coordinate their regulatory
oversight. NAIC staff supports these efforts and represents the collective
views of state regulators domestically and internationally. NAIC members,
together with the central resources of the NAIC, form the national system of
state-based insurance regulation in the U.S. For
consumer information, visit insureUonline.org.
National Association of Insurance Commissioners. All rights reserved.