Charles Goodman Group: Trusted Armonk Insurance Broker
When a motorist becomes involved in a car accident, the first thing that should be done immediately is to visit the doctor to ensure that no major injuries have occurred. Once this is done, the motorist may then file a claim with their insurance provider. While this process seems complicated, an Armonk Insurance Agent may be able to help.
A motorist must provide several pieces of information in order to file a claim. The motorist will need to provide their full name, the day the incident took place and an approximate time when the crash occurred. Additionally, the insurance company will need to know certain information about the other drivers or passengers involved, such as their full names, their address and their phone numbers. The license plate numbers and driver’s license information will also be needed. Finally, the motorist will need to provide their policy number and the dates that their policy covers.
Once the person has this information, they will need to contact their insurance provider. It is recommended that they do this as quickly as possible. Even if the other driver was determined to be liable for causing the crash, the motorist should still file with their own insurance company, as they may be eligible for additional coverage that the other person’s policy may not provide. The motorist may additionally have to file a claim against the other party’s insurance.
If the motorist is filing a claim with the other party’s insurance company, they should state that they are seeking repayment for costs that are not covered by their own insurance company.
An insurance agent from the Charles Goodman Group of Armonk would be happy to answer any question you have about property insurance or life insurance.
These costs may include, but are not limited to, the insurance deductible, lost income and even diminished resale value of the motorist’s damaged vehicle.
When making a claim against another party’s insurance company, the motorist will need to be prepared to provide a statement regarding the accident. In order to keep statements consistent, the motorist may want to write down the events and any other details or information pertinent to the case. This way, any variations in details cannot be used against the motorist, especially if there is a chance that a lawsuit may be filed against them.
If no disputes over liability arise, an adjuster will be sent to determine the cost of the damages to the vehicle. An estimate will be provided by the company. The insurance company will then send a check to the motorist so that the vehicle can be repaired or replaced. In some cases, the insurance company may be part of a direct repair program. If this is the case, the motorist can take their vehicle to a shop that has a relationship with the insurance company for repairs.
When there are no liability disputes, filing a claim can be a straightforward process. As long as the motorist is vigilant and is prepared ahead of time, the claim may easily be resolved.