A police report provides an official and detailed description of what happened in the accident. Police reports are required when it comes to injuries, significant damage, or extenuating circumstances. However, you can act as your own detail-oriented advocate in case of minor incidents. Contact your insurance agent or company.
If another person is responsible for your damages, you should also contact your insurance agent or company. The adjuster assigned to you will inform you of any additional steps needed. Don't expect the at-fault driver to contact your insurance company; it's up to you to report the accident to the other driver's insurance company. You can also tell your own insurance company about the accident in case you need to file a claim against your own policy because the at-fault driver had no insurance, was underinsured, or was denied liability by your insurance company.
Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. The insurance company and the insured will pay the chosen appraiser and bear the costs of the appraisal and the arbitrator. In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss.
Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. When a car accident occurs in Charlotte, it is very likely that you will have to file a claim for the damage to your car or for the injuries you suffered in the accident. You file a collision claim against your own insurance policy because you need a new car as soon as possible. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle. The amount of your policy's auto insurance deductible indicates how much you pay out of pocket for a covered claim, while your coverage limits represent the maximum dollar limit that your insurer could pay in a given category. Taylor knows how to negotiate with Progressive Insurance and get the compensation you deserve. Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful.
If you have rental vehicle reimbursement coverage under your own policy, you will have coverage for a rental car regardless of fault, within the limits of your policy.