You have finally obtained your driver’s license and more importantly, are you financially sound. If you are in this situation, you are on your way to purchase a car.
Once you have purchased the car of your dreams, call an insurer. Unfortunately, your four-wheeled beauty could become an obstacle in the path of a thrill-seeker, drunk or otherwise. Accidents are mostly unintentional and unfortunate, but sadly not uncommon. What’s even sadder is the amount of time wasted in pointing fingers instead of sticking around and cooperating with each other till (and even after) the police arrive at the scene.
In such an event, there’s just one simple rule: interact, don’t react and don’t admit fault. Check to make sure everyone involved is alright. If there are casualties, call an ambulance; be honest while explaining the incident, get the names and contact details of the other drivers involved in the accident and information about their cars, insurers, etc., and try to obtain as many eye-witness accounts as possible. From the legal point of view, taking pictures of the damaged vehicles is of utmost importance. In fact, here’s a tip for all parties involved the accident: have the ‘before’ picture of the car handy as well. Cell phones with cameras are a god send.
Lying is a strict no-no when it comes to talking to your insurer about it. You have to remember that you could be denied coverage for the damage if all the facts are incorrect. Carrying a copy of the police report is an absolute must: it could establish who violated the traffic law at the time of the accident. If you feel your insurer is not giving you a fair valuation for damages to your car, don’t hesitate to seek a second, and possibly a third opinion (including that of your car dealer).
Also, if needed, receive medical treatment as soon as possible. As far as visits to your doctor are concerned, all you have to do is be regular and heed every piece of advice. It’s very important to have a diary; it’ll help you keep track of the next appointment and amounts outstanding to your insurer, lawyer, etc. If the other insurers adjuster calls you, don’t speak to them, politely refer them to your adjuster.
Another consideration is waiting to make a decision once you have been made an offer. If it is a serious accident, speak to your lawyer and don’t settle a claim until you have made sure that you’ll be suitably compensated for all the injuries you have suffered. A doctor’s prognosis is critical, because some injuries could cause a great deal of discomfort for a very long time.
In the insurance industry, when a claim is presented to a Company and an adjuster is assigned to the claim, if it turns out that either party has called lawyers in for injuries, the companies will usually just take care of the physical damage of the vehicle and step back and allow the lawyers deal with the respected parties.
For more information you can visit car accident page of InsuranceMarket.ae and can also watch our YouTube videos for avoiding car insurance claims in Dubai.