Life is fast. Situations are dynamic. And accidents can happen anytime. And it is in recognition of this fact that there is a scheme of accident insurance. If you purchase this policy, you will be protected against big financial losses that accidents bring in their wake along with other ordeals and agonies.
Vehicular accidents take more lives and cause many more injuries every year than any major war in the history of mankind. A few things come in handy while making an accident insurance claim:
The names and contact nos. of witnesses and the policemen who view the case. Make a note of weather conditions, visibility and of road surface, including the width. And whether the traffic controls were sufficient to indicate them? Skid marks on the road surface are given special emphasis to indicate the nature and possible reason for the accident. If another vehicle is involved in the accident, supply details, best if, you have photographs of the damage to both vehicles. An accident insurance claim gains more credibility by furnishing details about any bodily injuries incurred. You should also collect data on the collateral losses such as jewellery, clothes, fragile stuff, and the like, that you may be carrying in the car.
Your claim should be substantiated by your doctor's report. It is necessary to have an account of your medical treatment starting from details of injuries to the after-effects after the treatment. This can also corroborate your medical insurance claims. It is also advisable to procure a written statement from your employer about the number and value of working time lost due to your non-availability at work and thus your lost wages. A proper assessment of the damages by experts in accident insurance helps you come at the right amount estimate to be claimed.
A wise insurance policy holder always reads the policy document very carefully to understand the terms and under what conditions are they applicable. You must know all the inclusions and exclusions within the policy as they apply to your making a claim. Better your clarity, lesser the false expectation and lesser the hassle while making an insurance claim.
