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Apply for coverage under their automobile insurance policy to the insured or the person requesting coverage must immediately report the accident or loss to the automobile insurance company, regardless of fault. All information about the loss or accident must be provided. At a minimum information provided must include: time, place, events of loss or accident and auto insurance information policy of all parties involved. Furthermore, the names and addresses of all persons involved in the loss or injury, the names and addresses of witnesses, and the registration numbers of all the vehicles involved. If you or the person applying for coverage can not identify the owner or operator of the vehicle involved in the accident or loss, then the notifying the police must be made within 24 hours or as soon as reasonably possible.
Contrary to popular belief, a report the police is not necessary for all car accidents and losses. For example: You have just been "back-ended" bumper traffic to bumper, and no one is injured, the vehicles are not disabled, and there are only relatively minor damage. drive vehicles with safety accident off the roadway to allow traffic to flow normally. Have all the parties involved in the automatic exchange of information on the accident insurance policy, vehicles and driver's license information. If possible contact the car insurance company at the time of the accident, while both parties are present. The insurance company to investigate the facts of the accident. If both drivers are in agreement and cooperation, then the insurance company will be able to determine fault in the accident. The car insurance company responsible for repairs will assign a claims adjuster for the case. An appointment will be for the damaged vehicle to be tested and evaluated.
In a serious accident where there is extensive damage to vehicles and / or persons injured, a police report is crucial. auto insurance companies need to know the name of the law enforcement agency investigating the accident. The accident report by the investigating authority, the statements made by persons involved in the accident and witness statements will be used to determine that the insurance policy self compensated for damages. As noted earlier, a police report is also required by the insurance company in case of theft or accident where the owner or driver of the other vehicle is unknown, as a "hit and run".
About the Author:
Author, Clifford J Schimek is President of Auto Plus Insurance, a family owned and operated Florida auto insurance agency. For additional helpful auto insurance policy information please visit our website at http://floridaautoplusinsurance.com
Article Source: ArticlesBase.com – Do Auto Insurance Companies Require a Police Report to Pay for Losses?
Looking At Insurance Appraisers, Auto Damage – WorkOne.com
