The Importance of Knowing your Clients’ Business Philosophy & Risk Appetite and Why
A car accident can wreck anybody’s day. In 2014, The Bureau of Transportation Statistics recorded over six million accidents on our US roadways. Even though the safety features installed in our vehicles have developed significantly, those numbers rival the data collected in 2008. Wearing seat belts, controlling speeds, and keeping your eyes on the road are all still highly recommended tactics to keep you and your loved ones safe.
Despite our best efforts, a collision might occur, and it’s important to know what to do next. We know step one, make sure everyone is ok, then call the police and have your license and insurance information ready. Take pictures of the damages, if you can. The next few steps are more of a mystery. How does your insurance company manage your claim?
Once your claim is filed, you are assigned an adjustor to review your policy and investigate the details of the event. Your adjustor will talk with you about the accident, collect a copy of the police report, contact other drivers and witnesses, examine the scene, inspect and photograph your vehicle, and after you sign a release, obtain a copy of your medical records. It is recommended that you write your own personal report as soon as possible, while the details are vivid. It is important to remember that partial fault may be determined, depending on each state’s laws, so recording your fresh memories is in your best interest. It is also important to know how your company handles shared fault settlements. If you don’t know, it’s worth calling your agent. Your insurance company will cover the costs of your medical care and vehicle repair while they are processing your claim. You will have choices as to how you would like your vehicle repaired.
Action Claim Service has been handling auto liability claims since 2004. Our claims experts stand above the rest when it comes to keeping your informed on your claim status. You can read your adjustor’s notes 24/7 through our online RMIS system. Each client has a team dedicated to your claim, and can be contacted 24/7 to help you with questions along the way. If you’ve been involved in an auto accident, or have questions about your auto liability claim, contact the professionals at Action Claim Service today.
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