How To Handle An Incidental Vehicle Accident
You could be the safest driver in the world. Following all of the basic driving laws and not being distracted by eating, drinking or talking on your cell phone. But driving is not only about you being behind the wheel, but the other people around you behind their wheels. Most people aren't as exacting behind the wheel as you could be, and this is the reason that accidents happen.
One pretty common rule on the road is that everyone is expected to have car insurance. It is illegal in most states to drive around without insurance, and in states that it is not required it is considered decent to have it. Unfortunately, the most common drivers in accidental vehicle accidents are ones without insurance.
After an accident, both people involved are expected to stay on the scene while the police respond to the accident. Both people are also expected to act very humanely and exchange insurance numbers so that the insurance companies can work it out. If the person that you get into an accident with does not have insurance or does not want to see the police, they may drive off in order to try to evade the police.
When you are in the middle of a mishap and you car has been hit, try to maintain equanimity and attempt to note down the vehicle number expecting it to vacate the scene. In case the other driver has been decent enough to park and wait, note down the number, to be on the safer side.
A police report has to be filed for a hit and run incident no matter how small it is in order for your insurance company to be able to file a claim. If you have underinsured or uninsured motorist coverage or hold full coverage on your vehicle the insurance company will handle all the repair and medical expenses that were involved with the accident up to the limits of your policy.
You have to bear the deductible you have as per your policy. You may not have caused the mishap; even then you are expected to cough up the deductible so that your insurance provider can cater to the remaining expenditure. It may not ring right but it is far better than having to bear the entire expense. In a majority of the cases, hit and run drivers abscond from the scene, if you do not act immediately and note down the vehicle number. If the cops do manage to nab the offender, you may apprise your insurance company so that they may take legal action against the offender and claim the amount that is due and if you are keen, you may even drag them to civil court, in order to get back your deductible and any other additional expenses that you may have had to expend on account of the mishap. Hence, your timely alertness at the site of the accident will save you a lot of bother later. - 21396
One pretty common rule on the road is that everyone is expected to have car insurance. It is illegal in most states to drive around without insurance, and in states that it is not required it is considered decent to have it. Unfortunately, the most common drivers in accidental vehicle accidents are ones without insurance.
After an accident, both people involved are expected to stay on the scene while the police respond to the accident. Both people are also expected to act very humanely and exchange insurance numbers so that the insurance companies can work it out. If the person that you get into an accident with does not have insurance or does not want to see the police, they may drive off in order to try to evade the police.
When you are in the middle of a mishap and you car has been hit, try to maintain equanimity and attempt to note down the vehicle number expecting it to vacate the scene. In case the other driver has been decent enough to park and wait, note down the number, to be on the safer side.
A police report has to be filed for a hit and run incident no matter how small it is in order for your insurance company to be able to file a claim. If you have underinsured or uninsured motorist coverage or hold full coverage on your vehicle the insurance company will handle all the repair and medical expenses that were involved with the accident up to the limits of your policy.
You have to bear the deductible you have as per your policy. You may not have caused the mishap; even then you are expected to cough up the deductible so that your insurance provider can cater to the remaining expenditure. It may not ring right but it is far better than having to bear the entire expense. In a majority of the cases, hit and run drivers abscond from the scene, if you do not act immediately and note down the vehicle number. If the cops do manage to nab the offender, you may apprise your insurance company so that they may take legal action against the offender and claim the amount that is due and if you are keen, you may even drag them to civil court, in order to get back your deductible and any other additional expenses that you may have had to expend on account of the mishap. Hence, your timely alertness at the site of the accident will save you a lot of bother later. - 21396
About the Author:
Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading Car Insurance portal.
posted by X - Men @ 2:32 AM
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