Getting hit from behind is scary and sudden. The next step is usually to file a rear-end collision insurance claim after making sure everyone is okay and, if necessary, calling the police. If you know how the accident claim process works ahead of time, it can help you stay calm and make sure you get a fair insurance payout.
Find Out What Happened at the Scene
Start by getting information at the scene. Take pictures of all the cars, their license plates, any skid marks, and any visible damage to the back end, like a bent bumper or trunk that won’t close. Give the other driver and any witnesses your name, insurance information, and phone number. If the police come, ask them how to get a copy of the police report. This is often very important evidence in your rear-end collision insurance claim.
Notify Your Insurance Company
You should call your insurance company right away, even if you think the other driver is clearly to blame. Most policies say you have to give notice right away. The adjuster will open a case for the accident claim and tell you what papers you need to send in next.
Get a Damage Inspection
The next step is to look at the damage. Your insurance company may send you to a body shop they like, or you may be able to pick your own. The adjuster and the shop will look at both visible and hidden damage to the back end and give you an estimate. After the bumper is taken off, you may notice that the first estimate and the final repair costs are different in some cases. Before the work is done, make sure that any changes are approved and that your insurance payout reflects them.
Track Medical Issues
If you get hurt, keep copies of your doctor’s visits, prescriptions, and time off work. If your rear-end collision insurance claim covers medical bills or injuries, these records could be very helpful. Don’t ignore neck or back pain that starts a day or two after the crash. Tell your doctor and your adjuster about any new problems.
This information is general, so don’t forget to talk to a lawyer or insurance agent who knows your situation and the laws in your state.
Questions and Answers
When should I call my insurance company after a crash in which I was hit from behind?
As soon as it is safe to do so, and preferably within twenty-four hours, call your insurance company so they can start the process of filing your claim and explain your coverage.
Should I file the claim for damage to the back end with my company or the other driver’s?
Most of the time, you start with your own insurance company, which may then go after the at-fault driver’s company for payment. The exact steps will depend on the laws in your state and your policy.
What if the first offer for an insurance payout seems too low?
You can ask questions, give more estimates for repairs or medical records, and haggle. If things are really bad, you might want to talk to a lawyer who handles rear-end collision insurance claims.
Featured Image
Images are by Canva.com or Pixabay.com
