How many times have we seen people arguing after a crash. Unfortunately, these scenes happen relatively often. Today we will talk about how to act when I claim a hit that I have not given, as well as when we are managing the report with our car insurance.
Moment of the hit – claim report or call the police?
When we are driving in the city or on the highway and we have a collision, it is very important to know how to act. The insurance coverage and the renewal price for the following year will depend on it… so be careful:
- Fill out the “friendly report”: In it, it must be clear where the accident took place and when, check the appropriate boxes and 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, depending on the boxes ticked, the fault will be determined. By this, we mean that we will leave almost at random who is at fault, unless in the table of the report, we make clear what has happened and the fault is clearly determined.
- Calling the police: Another option is that when there is a discrepancy with the other party, the police should be called in to draw up an “attestation”.
We usually recommend the latter, since we believe that it is the one that can bring the most peace of mind in such a stressful moment. Afterwards, each insurer will collect this document, which will be essential for the resolution of the claim.
Once the car insurance is notified, what happens?
When we have a blow, and we give the report to our company to claim against the other party, it can happen:
- That there is a friendly report and the versions are very clear giving a definitive result (either guilt or innocence) → we saw how to fill out a friendly report.
- If there is a difference of versions that the fault is not clear: the evidence here will be decisive.
Either photos, witnesses, police report, version of each driver… With all this, the version of each company is generated and a guilty party is determined.
If it cannot be determined, a mediation can be reached, in which independent processors collect the information and issue the 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 out and sign the “Declaration of No Claim.”.
With this, you are saying that you were not there or that there was no collision and that, as such, you could not have caused the 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 how to act in these cases, what should I do?
The truth is that when you have a stroke you are in a compromising situation, since it is possible that it has never happened to you or that the nervousness of the moment prevents you from acting clearly.
From Moné Insurance we help our policyholders in these procedures:
- We guide you through the deadlines so that you know what is happening at all times,
- procedures that are taking place between the companies, etc. With total transparency and closeness, because we have been there, and we know how difficult it is.
- We will arrange for a replacement vehicle if necessary, and
- We will manage the repair with the workshop.
If you want us to help you, in case this happens to you, bring your car insurance with us, and find a good price and better service.
