The first few hours-and days following a vehicle accident are stuffed with stress and honest confusion for most insured drivers. It’s natural for the consumer to wish for someone to take over the entire process for them. Every insured driver that is involved in an auto accident needs to understand that there are commonly six elements of proof that most insurance carriers review.
- What the insured tells you, the insurance company;
- The other driver’s perception of how the accident occurred;
- What the police report states happened;
- The eye witnesses testimony;
- The physical damage at the scene;
- Medical records for the treatment of any related injuries
How your insured handles an auto accident from immediately following the incident, through the First Notice of Loss (FNOL), to the final settlement will be critical in contributing to a quick and fair solution.
Bottom line – while a claim can be a stressful event initially, understanding the basic flow of the claim and asking questions of your adjuster will help you get through the process with as little hassle as possible.
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