Nowadays, having automobile insurance is not only a sign of responsibility, it is an investment that allows you to have financial support in the face of unexpected situations and that also safeguards your well-being, that of yours and third parties in case of any Sinister.
On many occasions, people have a wrong image of insurance, perhaps because it is about services that, beyond using them or not, have to be paid for.
What if I crash and it’s not your fault?
First of all, if you crash and you do not have car insurance, if it is not your fault, you will have to take care of your damages and those of the other car involved. Even if the other driver has an insurance policy, it does not mean that you will have been spared paying the damages you have incurred.
If the accident was your fault, the insurance company has every right to charge you in full for the cost of auto repairs or medical expenses that its client requires. The deductible is a benefit that is only granted to the insured, and the insurance pays only when the insured was the one who caused the accident unless your policy says otherwise.
The agent of the other vehicle will be in charge of negotiating with you before proceeding to legal proceedings. Once the damage has been evaluated, he will ask you for the amount of money equivalent to the repair costs of the crashed car.
For many people who consider themselves excellent drivers, car insurance is not a concern. However, remember that being a good driver does not ensure that you get rid of any distractions you have, such as talking on a cell phone, or that others at the wheel can cause you an accident.
There is insurance designed for all types of pockets, the important thing is to find the product that best meets your needs.
By having insurance, in case of a claim, you will not worry about getting money to repair the damage caused but your insurance will take care of making the payment for you. And in case your car is lost you can pay a deductible, a situation that is impossible without insurance.
What types of coverage are there?
The most common coverage is comprehensive, limited, and liability, but the exact characteristics of each depend on the insurer with which you contract.
Before purchasing insurance of any kind, it is important to know what the benefits are offered by the insurer with whom you wish to contract it, the scope of the coverage, and what are the general conditions that govern the product.
Compare the prices, legal services, and additional products offered by different insurers, as well as the conditions established to make the insurance valid.
According to your income, select the policy that best suits your possibilities. For the insurance quote, particularities of each vehicle are taken into account, such as age, make and model of the unit, type of coverage, age of the driver, etc.
Do not sign any blank page, read the contract in detail, and check the expected cases or claims, the clauses, and all the exclusions. Remember that if you are late in your payments, the insurer will cancel your coverage immediately and in case of an accident, you will be unprotected.
Verify that your policy contains all the elements that were offered to you when hiring. Check that the insurer is duly authorized. Check-in your policy that all the information is correct: name and address of both the insured and the insurance institution, policy number, description of the vehicle, coverage contracted, and amount of coverage, insured amount, deductible, validity, and form of payment.
Even if there are no major physical injuries as a result of the accident, a collision can disrupt your routine and cost you time and money. No matter who was at fault, you will have to face the consequences. In any case, in such a situation you can always find help.
What to do after a car accident not your fault?
At the site: After an accident, your heart probably raced in response rushing through your veins. But what to do in car accident not your fault; take a moment to assess the situation first. Make sure you and other passengers are safe before exiting the vehicle. If someone has been injured, call emergency services immediately.
Once you have determined that no one is injured or requires attention, it is time to exchange data with the other drivers involved, at a minimum:
Write down your name, surname, and ID number; ask for other contact information such as an address, telephone number, and email.
Insurance policy: Write down the name of the insurance company, policy number, and date of payment, vehicle registration number.
Take photos of your car and the other cars involved; Pay attention to the damaged parts, the position of the cars, and the license plates.
Unfortunately, some drivers hit the road after an accident, especially if it was their fault or if they do not have insurance. If a driver leaves without waiting for the data exchange, try to write down the license plate; your insurer will help you identify the driver. If you cannot remember the license plate number, you may have difficulty identifying the driver and receiving compensation.
Inform the police
It may surprise you to learn that it is not necessary to call the police in the event of an accident, although it can sometimes help. In cases where there are no injuries or due to inclement weather, the police may not be able to reach the scene of the accident in a reasonable time. Even if the police do not go to the scene of the accident, they should go to the police station to report the accident. It may be useful later to support your claim with an official document.
Call the tow truck
If the accident was serious enough, the tow truck may have to be called to clear the road. Often the police can help by calling a towing service to work with, but you may want to call another company that has an agreement with your insurer. It is something that you should discuss with the agent who goes to the scene of the accident. The advantage of calling a company related to your insurer is that it will cost you less to service and you will have to travel a shorter distance to retrieve it from the deposit.
You should be aware that a witness account changes frequently after leaving the scene of the accident especially in the scenario of when a car accident without insurance not at fault. That is, a person can initially admit some facts, and change their version when they get home. The best way to be sure, in addition to a police report, is with the testimony of a pedestrian: try to obtain the contact information of people who have seen the accident to back up your version if necessary.
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