Tips for Filing a No-Fault Car Accident Claim in Wisconsin
When you’re in an auto accident that isn’t your fault, it’s hard to think about filing an insurance claim at the time. However, exchanging insurance information with the other driver involved is an important step to take, since it will enable you to cover any potential medical bills and get your vehicle repaired or replaced as soon as possible.
Once you’ve gotten through and obtained the insurance information from the at-fault driver, what should you do? These tips will help you ensure that your auto insurance claim goes through as smoothly as possible.
Contact the Other Driver’s Insurance Company
You’re probably aware that it’s the responsibility of the driver who causes an accident to report it to their insurance company. However, people who cause collisions are often reluctant to make a report, and may not be prompt in notifying their insurance company. It’s a good idea for you to contact the at-fault driver’s insurer, even if you believe the other driver has already done so.
Make sure you’ve collected as much information as possible at the scene of the accident from the other driver, including the name of the insurance company, address, phone number for claims, and the name of the agent who handles the policy, if possible.
When you contact the insurance company, notify them that you were involved in an accident with one of their policyholders. Report only the facts of the accident, including any injuries or property damages you incurred.
You should also notify your own insurance company immediately about the incident, even if you were not at fault. If the other insurance company denies your claim, or if the driver lies about the circumstances of the accident, your insurer may be able to cover the damages, including medical and repair bills. They may also be able to provide you with a rental car to use until your vehicle has been repaired.
Know Your Rights
Some insurance companies may demand that you receive their authorization before bringing your vehicle in for repairs due to an accident. Make sure that the insurer has accepted liability for the accident before you seek repairs, and get their acceptance in writing to avoid problems down the line—such as refusal to pay the repair bill.
You should also be aware that an insurance company can’t force you to choose a specific auto body shop or repair facility following an accident. Most states, including Wisconsin, will allow insurers to recommend repair services, but they are not allowed to make demands. You can choose any auto body shop you prefer.
If your vehicle has been damaged in an accident, stop down and see us at Westway Auto Body, Inc.