How many times have we seen people arguing after a crash while driving. Unfortunately, such scenes happen relatively often. Today we will talk about how to act when I am claimed for a hit that I did not cause, as well as when we are handling the claim with our car insurance.
Time of the hit - claim report or call the police?
When you are driving in the city or on the road and you have a collision, it is very important to know how to act. The insurance cover and the renewal price for the following year will depend on it... so be careful:
- Fill in the «friendly report»: On it, it must be clear where the accident takes place and when, the appropriate boxes must be ticked and it must be signed by both drivers. If not, it will be worthless. This will result in the standard agreement being applied when the accident report is submitted to the insurance companies, and fault will be determined on the basis of the boxes ticked. By this, we mean that we leave it almost to chance who is at fault, unless we make it clear in the table of the report what has happened and the fault is clearly determined.
- Call the police: Another option is that when there is a disagreement with the opponent the police should be called to raise a “attested”.
We tend to recommend the latter, as it seems to us to be the one that can bring the most peace of mind at such a stressful time. Afterwards, each insurer will collect this document, which will be essential for the resolution of the claim.
Once car insurance is reported, what happens?
When we have a blow, and we report it to our company to claim against the other party, it can happen:
- That there is an amicable report and that the versions are very clear. giving a definitive outcome (either guilt or innocence) → we saw how to fill in a friendly report.
- That there is a difference in versions that is not clear to blame: the test here will be decisive.
Whether it is photos, witnesses, police reports, the version of each driver... With all this, the version of each company is generated and a guilty party is determined.
If this cannot be determined, mediation can take place, where independent mediators gather the information and make a final decision. - When someone is informed by their insurer that they have received a claim for another vehicle, and they claim not to have been involved in a collision, they fill in and sign the “Declaration of Non-existence of Loss”.”.
By doing so, you are saying that you were not there or there was no hit and that, as such, you cannot have caused that damage.
However, if you lie, you can pay 2 or 3 modules as a penalty, which can be a very serious punishment for the price of your insurance next year.
As we can see, the casuistry is very varied.
If I don't know what to do in such cases, what should I do?
The truth is that when you have a stroke you are in a compromising situation, as it may never have happened to you before or the nervousness of the moment may prevent you from acting clearly.
From Moné Insurance we help our policyholders in these matters:
- les we provide guidance on deadlines so that they know what is happening at all times,
- procedures taking place between companies, etc. With total transparency and closeness, because we have been there, and we know how difficult it is.
- We will process the replacement vehicle if necessary and
- We will manage the repair with workshop.
If you would like us to help you, in case this happens to you, bring your car insurance with us, and find a good price and better service.
