Many motorists in the Reading area have never filed an auto insurance claim. Unfortunately, most drivers will end up in an accident at some point in the future. It can be helpful to be aware of what is involved when filing a claim on auto insurance in Reading, PA.
When an accident occurs, it is important to get the contact information of the other parties who are involved in the accident. It may be easiest to take a picture of the driver’s license for everyone involved in the accident. It is also important to get the auto insurance information of all parties involved. Call the police and inform them of the accident. However, sometimes the police will not show up for minor accidents, especially if there are other incidents occurring at the same time. If there are any eyewitnesses, it is very important to get their information as well. Testimony from independent eyewitnesses are much more useful than testimony from the drivers and passengers that were involved in the accident. If another motorist causes an accident and tries to flee, try to get as much information about the other vehicle if it can be done safely. However, do not try to pursue the hit-and-run driver. That is the job that should be left to the police. If there are any injuries, it is important to seek medical treatment as soon as possible.
All of the information obtained above will need to be given when filing a claim on auto insurance in Reading, PA. It is not necessary to file the claim at the time of the accident; however, the claim should be filed as soon as possible. The conversation with the insurance company will likely be recorded. If the motorist filing the claim has comprehensive or collision coverage, the claim will likely be filed against one of those coverage options. The motorist’s vehicle can be repaired or totaled under one of these coverage options regardless of fault. If the other parties are found to be at fault later on, the deductible on the comprehensive or collision claim will be refunded.
After filing the claim, the insurance adjuster will go over what will happen next. In general, the insured motorist will go to a body shop and get the vehicle repaired. Those who want more general information on auto insurance in Reading, PA should click here.
