If you have ever been in an auto accident, you know how it can turn your world upside down. Besides having your car totaled, you may hurt someone else or be hurt in the process. It does not help that when you have been involved in an accident your insurance premiums will go up even if the record you had up to that point was impeccable. People who have a tendency of calling the insurance company to discuss options in case of being in an accident might have that information used against them later which can affect the rates. However, if you have been paying for auto insurance, if you are in an accident you have the right to be paid your dues.
When you hit someone, you should take responsibility. If the person happens to file for a liability claim, you ought to get a coverage and legal defense from the insurer. On average, the liability claim should be $15,000. You should not pay out of your own pocket when you have been faithful in remitting the premiums. However, you ought to move quickly because if not then you may have to go through an even longer process before you wrap up the case. Even when you do not think the damage is major and you reach an agreement with the other person, the plans can backfire. If your insurer was not aware of the situation and the other party changes their mind, you may be left to deal with the situation on your own.
If your car has been in an accident where no one else was involved, you can also file a car accident claim. This ensures that you get your vehicle in order as soon as possible especially if you do not have enough money in the bank to take care of the cost. Also, in the event that you were injured during the accident, the insurer will cover the medical bills that will be incurred as you seek treatment. There is no point in buying insurance policy if you do not make claims when you get into trouble. No matter the complains you might have heard other people raise, you need to make the claim.
You need to file the claim as soon as possible to speed up the process. Also, there is a window in which the claims should be filed which means if the dates have expired getting a compensation becomes even harder.