There is a right and a wrong way to file a car accident claim with an insurance company. Your answers to their questions, the explanations you give, and even the day you file your claim can allow the insurance company enough to deny your claim coverage. It is best to have your facts straight and understand the process before you attempt to file a claim.
Follow these steps when filing an auto accident claim:
If you have your policy, read it thoroughly. Understanding your policy can help you recognize the reason an adjuster may be asking you certain questions while filing the claim, and during the property damage process. Knowing your policy can help you avoid traps insurance companies try to use on their customers.
Be prepared before dialing the phone. Make sure you have all the information from the accident in front of you for easy reference. This includes the police report, witness information, street names, and details such as which direction you were traveling all come in handy.
The phone call to file your claim could be lengthy. Make sure you have a couple hours free to be able to explain your side of the story and answer all the questions they have for you. You may only get one chance to explain your point of view, so make sure your story is straight and you are confident when explaining the details. Do not be afraid to tell them you don’t know, or are unsure how to answer their question. Even though you may have an answer you would like to give, it is common for adjusters to phrase questions that will lead you to answer in such a way that they can deny your claim based on your answer. If you feel at all that you are being led in such a manner, tell them that you don’t recall, you don’t remember, or you just plan don’t know. You can always revisit the question at a later time when you ‘remember better’. more click negotiating a claim with an insurance company
There is no rush to call in your claim. Go home and relax for a few hours and try to take your mind off the stressful situation your car accident has put you in. Make sure you have calm nerves before calling in your auto claim.
No stone should be left unturned, or a question you have be left unanswered from your adjuster. It is their duty to help you understand the policy in which your car accident claim is filed under. Make sure you get definitive answers to all of your questions regarding your situation after the car accident. Make them tell you how long it will take to determine liability and when exactly you can get your rental car. Rephrase their promises back to them to make sure you are both on the same page and have an understanding. For example, “Okay, so I can secure a rental car tomorrow at Advantage Rental Car at 3:00pm, correct?” Get all the details of the claim settlement process you can. Ask them specifically how will they handle your claim and what you are entitled to. Ask them how long the process is going to take and what the next step will be. Set up a time for them to call you back with updates and do not hang up the phone until everything is understood. It is the adjusters job to explain everything to you. Demand respect and patience as you are in a stressful situation and you have the right to have your life restored to you back to the way it was.
Just as the adjuster is expected to do things for you, you should in turn offer to help them in any way you can. Many hands make light work and if you can acquire information faster that the adjuster can, such as a police report or repair estimate, your claim will be finished sooner. Ask the adjuster what is expected of you and repeat it back to them to make sure you understand. Always stay on top of the adjusters requests, and in turn, make she he or she is good to their word in getting you the information they promised you in a timely manner.
Before getting off the phone, set up a time for your next phone appointment to follow up on the current claim process. If the adjuster misses that phone appointment, or any phone appointment, contact their supervisor. Remember to teach them to treat you with respect and if they don’t, you won’t be afraid to go over their head.
When moving across state lines, this is referred to as interstate moving. Moving is stressful enough with packing boxes and preparing for the move but interstate moving involves more. One important thing to know is that there are requirements that interstate moving companies must follow. When moving across state lines each state has their own guidelines. Moving companies that move households from one state to another are regulated by the Federal Motor Carrier Safety Administration (FMCSA) and are required legally to do the following:
• Display their U.S. Department of Transportation (DOT) number in any advertising. Their DOT number is the identifier of the company the truck belongs too that collects and monitors the moving company safety information that was acquired during an audit, crash investigations, compliance reviews, and inspections.
• Obtain licensing by the FMCSA
• Provide arbitration if a customer’s complaint cannot be amicably resolved. The FMCSA does not have the authority to resolve any claims against interstate moving companies but if there is a problem the customer can file a complaint against the company by calling FMSCA
• The homeowners must receive a brochure entitled Your Rights and Responsibilities When You Move so they are informed before the move is started.
• Allow the homeowners to review the list of charges and rates
• Furnish the customer an accurate summary of how complaint handling procedures, which includes a phone number
Interstate moving service companies charge their customers a rate that is based on what they will be moving so to make it less expensive try to get rid of stuff you do not need before contacting a moving company. If this is the first time that you have moved, do not hire the first company that you see on the internet or in the phone book. You should get quotes from at least three different companies. You need to check their reputation, and how reliable they are.
When interviewing moving companies in person or over the phone you should ask the following questions. click here is it really better to hire a moving company
• How long have they been in business as a company
• Make sure that they have the proper license and that they are insured
• You should check to see if they have a DOT number properly placed.
• Does the company sub-contract their work out to other moving services, If you decide to hire the company you are interviewing you do not want to find out another moving company you know nothing about is moving your household belongings.
• Does the moving company take the extra precautions to protect fragile items from being damaged during the move
• Do they offer an option to purchase insurance to cover any damage to your household items beyond a preset amount?
Its summer time and the kids are out of school and it is time that many families head out onto the highways for the annual summer vacation. In this article, a retired police officer, gives you some of his driving strategies for arriving safely and traffic ticket free at your destination this summer. These common sense tips and strategies are applicable wherever you live, whether it is in North America or in other locations around the world. Get the facts about how to not get a ticket while driving in Florida.
Every summer season police see a lot more traffic on the highways. Summer is the busiest time of the year for vacationers towing equipment on the roadways and the influx of campers, recreational vehicle trailers and even towed cars can keep police busy. Here are some tips that will keep you safe and in the good graces of the highway patrolmen. (and ladies)
Summer holidays are like any time of the year and police are looking for the most common types of offences that we would normally see. Police tend to concentrate on the aggressive and the speeding drivers as well as those that may not be paying attention to the rules of the road as closely as they should. Intersection infractions such as failing to stop or proceeding before it is safe to do so can have deadly consequences so officers will be monitoring those situations as well. Drivers will have their progress monitored for signs of impairment by alcohol and drugs such as wandering within the lane, crossing over lines, fluctuations in speed and other indicators.
The summer and cottage seasons see motorists trying to carry as much of their stuff from home to their destination and often there are safety issues as motorists try to take short cuts to get all of their belongings to where they are going. Police are often called when drivers witness items falling off trailers, or there may be problems with the way trailers are moving behind the vehicles that are towing them. Often people lash items in the trunks or to the roof of their cars when they should be using a trailer or a truck.
The Hook Up
The most important part about trailering any type of vehicle is to make sure that the two vehicles are securely hitched together and that the safety chains or tow bars are properly attached. If the hitch mechanism is not properly engaged then the vehicles may separate when there are any bumps in the road. The safety chain may help keep the vehicles together if this situation arises.
The next step is to make sure that the trailer lighting system is working properly in conjunction with the tow vehicle. It is important to make sure that there are not any crossed wires so that a right turn signal really means that you are intending to turn right.
Getting Things Down
Once the tow vehicle and trailer have been attached and the light system checks have been completed, the next step is making sure that things have been securely tied down. Everything should be tied down securely especially any of your ATV’s, quads and boats. These items must be secured so that they do not bounce off of the trailer and cause any danger to oncoming or following vehicles. After you have driven a couple of miles, the driver should pull over and recheck the tie downs to make sure that they are still holding properly.