Pennsylvania Car Insurance Company
Making An Insurance Claim
At some point or another, everyone gets into a car wreck. Once this happens, auto insurance information needs to be exchanged with the other car owner. It is good to know the process in which things occur so you submit information and start the process correctly.The Wreck
No matter whose fault the wreck is, you should exchange insurance information with the other person. The insurance company will look into who is at fault. Even if it seems clear cut at the time, an official investigation will take place. At the scene of the accident, both people involved should take pictures of the location and damage to each other cars. This will be helpful information to provide to the insurance company to determine fault.
Medical Care
Depending on the seriousness of the wreck, you might want to get checked out by a doctor or hospital. If you have the coverage you need, these medical bills will be paid for up to a certain point. Also, if the other driver or passengers in your car have medical bills, your insurance should cover these bills once a claim has been submitted.
Your Account
You will need to make a statement based on your account of what happened. This includes how fast you were going and how the accident occurred. The auto insurance company will also get the same information from the other driver.
Repairs
The damage to each car will be assessed and you should get at least one estimate for a body shop on the cost to repair the damage. This means taking it to a body shop and then submitting the information to the Pennsylvania car insurance company. If the estimate is more than the car is worth, then the car should be totaled out. The insurance company will give the driver a check for either the car’s worth or reimburse for repairs.
The Aftermath
If you submit a claim to insurance, this may make your premiums increase. This is only temporary as you show a consistently good driving record. Submitting an insurance claim ensures that you do not go bankrupt from car repairs or medical bills associated with the wreck. And even if you are not at fault, if the other driver does not have insurance, it is wise to have uninsured motorist coverage in order to cover your own damages and bills.
If you find yourself in the unfortunate situation of being in a wreck, follow the appropriate steps to submit a claim and work through your insurance company. This is the reason you have insurance, so you should use it should it become necessary.