Crunch… it’s a sound no one likes to hear, especially when you’re driving a commercial vehicle.
Unfortunately, accidents do happen, even to the best drivers. In 2011 the FMCSA noted more than 5 million accidents reported to police with 273,000 involving large trucks. Safety can play a big role in helping you avoid these accidents, and when they do occur, knowing how to properly report your claim could be essential in getting you the most out of your truck insurance policy. When you have a claim make sure you report it quickly and thoroughly.
Reporting a Claim- The Do’s and the Don’ts
Do…
· Get as Much Information as Possible– After an accident get as much information as possible. This will make it easier for your insurance company to figure out fault and ensure quick resolution of your case. Get as much information as you can from other drivers and passengers involved. Also make a note of any potential witnesses with their contact information.
· Take Photos– A picture’s worth a thousand words, especially after a truck accident. Take pictures any damage (both vehicle and property), the accident scene (skid marks, vehicle positions, debris, etc.), the area where the accident occurred (road signs and markers) and any identifiers (license plates, insurance cards, etc.).
· Contact the Police– While police may not come out to every accident scene, it is always a good idea to advise them of an accident, even if it seems minor.
Don’t…
· Delay– Report claims as soon as possible after an accident or event. Many truck insurance providers require that claims be reported within 24 hours or a higher deductible will apply. Having to pay double your deductible can greatly increase the cost of an accident. Save money by contacting us as soon as possible after an accident. We’ll help you deal with your insurance company.
· Don’t Admit Fault– Never admit fault for accident, even if you think you might have caused it. Without understanding the complete picture behind the events, you don’t know whose fault an accident is. It’s possible that another driver was drinking or talking on the phone and is responsible. Don’t admit fault to other drivers or the police.
Do You Understand Your Policy?
Every truck insurance policy is different, but understanding the details of yours is essential to getting the most out of your insurance, especially in an accident. What’s your deductible? What are your requirements when reporting claims? If you don’t thoroughly understand your policy, take a few minutes and review it. The last thing you’ll want to deal with after an accident is trying to figure out your insurance coverage, although we’re happy to help if you need assistance.
Helping with claims is one of the many services we offer our customers here at Western Truck Insurance Services. We stay on top of your claim from the moment you report it to us, making sure you know what’s going on with your insurance company every step of the way. We only work with truck insurance providers that we trust and you can be sure that we’ll ask the right questions, get the best information and clearly relay any concerns to your insurance company. When we help you process claims you’ll know what’s happening, who’s handling what and how your needs are being met. Accidents are no fun, but with Western Truck Insurance Services by your side, they are a lot easier to handle.
If it’s been awhile since you reviewed your coverage, give us a call. We can make sure your coverage is the best fit for your situation and give you a truck insurance quote for great coverage from some of the top truck insurance companies.