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How to Handle your Property Damage Claims after an Auto Accident

How to Handle your Property Damage Claims after an Auto Accident

If you’ve been in an auto accident, the first thing you want to do is to make certain that you aren’t injured in any way. Once you’ve done that, you can see to your vehicle. In most car collisions, the drivers aren’t injured at all, but the vehicles have hundreds or, more likely, thousands of dollars of property damage. This damage includes more than just the damage to the vehicle – it includes the damage done to any personal items that were in the vehicle at the time of the accident.

But actually handling a property damage claim can be confusing for people who have never dealt with one before. Here are the basic steps for making and handling a claim. Note that these steps assume that the accident was not your fault.

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    1. Are you Eligible?

    First, confirm that you are eligible to file a property damage claim with you’re auto insurance company. You can do this if you meet one of the following conditions:

    • Your vehicle incurred damage of any kind when hit by another.
    • You want that damage to be repaired by a professional.
    • Your car was damaged badly enough that you will need a temporary replacement while it gets repaired.
    • Your personal property was damaged or destroyed and you want to be compensated for its loss.

    If even one of these four points applies to you, you can file a property damage claim. If you’re uncertain if you can, you can speak to an auto accident attorney.

    2. Have the Right Information

    Unfortunately, many people miss their opportunity to get all of the right information because some of the things you may need when making your claim can only come from the scene of the accident. Remembering to gather all this information after being in an accident can be difficult, especially if you’ve been hurt or are badly shaken.

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    Make sure you know if a ticket was issued to the other driver. If the police who arrive at the scene decide that someone was at fault, they will issue a ticket. This is evidence that the other driver was negligent and will make your claim go through much more quickly and easily.

    You also need to collect as much information about the other driver, their insurance company, and the accident itself. Don’t rely on your memory – write everything down, put it in your phone, or even record it in a voicemail if you have to. You want to be sure you have all of the driver’s information – their phone number, address, and driver’s license information. You also need to know what insurance company they use, the company’s contact information, and their policy information. Finally, make sure you take note of any telling statements, especially if the other person admits guilt.

    Next, if you have your phone with you, take as many pictures of the accident itself as you can. This includes pictures of the other vehicle, the area, anything broken that has fallen off the cars, and any personal property that was damaged.  If you think it might be of use later, photograph it.

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    3. Make the Claim

    If you decide to file a claim, the first thing to do call your insurance company. You are required to file a claim with your own insurance company even if the accident wasn’t your fault. You can file your claim directly with the other person’s insurance company, too, but all insurance companies do require you to file with them as well. In many cases, it’s your insurance company that will get you in a rental car and will pay many of the upfront costs. Once the other insurance company has accepted liability, they will be reimbursed.

    Don’t wait for the other person’s insurance to contact you. In some cases, you’ll be waiting forever – the other person may not know that they are required to make a claim, and they may not want to admit that they were at fault. Get the process started as soon as you can. You don’t need an auto-accident attorney to file an insurance claim, but you may need to consult one if there is any resistance to your claim.

    4. Call the Other Insurance Company

    Next, call the other insurance company and make a claim. You will work with a claims adjuster and will be given a claim number, which you need to make sure you write down. Give them all of the information you gave to your insurance company. You’ll need to provide the claim number to your auto-accident attorney if you end up hiring one.

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    5. Get the Police Report and Weather Report

    Once the official police report is available, be sure to request a copy. You also want to get the weather report for the day of the accident, too. This can help prove your claim if the other person is saying the accident was due to weather conditions. Submit both of these reports to both insurance companies and your attorney.

    6. After the Claim

    Once the claim has been filed, you’ll work with the claim adjuster to coordinate the repairs to your vehicle. Remember, you can choose any auto repair shop you want, but the insurance may only be willing to pay for a certain amount. You can also ask for a rental car. You have the right to one, especially if your vehicle cannot be driven and will take several days or weeks to be fully repaired.

    7. Good Luck on your Claim!

    Making an auto accident claim is never fun, especially if the other driver is refusing to acknowledge guilt. Have you had any claim horror stories? Share them with us!

    Featured photo credit: Auto accident claim via flickr.com

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    How to Handle your Property Damage Claims after an Auto Accident

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    Last Updated on January 21, 2020

    How to Develop a Millionaire Mindset in 6 Simple Steps

    How to Develop a Millionaire Mindset in 6 Simple Steps

    We all like to dream about being financially wealthy. For most people though, it remains a dream and nothing more. Why is that?

    It’s because most people don’t set their mind to achieving that goal. They might not be happy in their current situation but they’re comfortable – and comfort is one of the biggest enemies of growth.

    How do you go about developing that millionaire mindset? By following these simple steps:

    1. Focus On What You Want – And Take It!

    So many people are too timid to admit they want something and go for it. When there is something that you want to accomplish don’t think “I could never actually do that”, think “I could do that and I WILL do that”.

    Millionaires play to win, not to avoid defeat.

    This doesn’t mean to have to become a selfish jerk. What it means is becoming more assertive and honest with yourself. You don’t have to grab off other people. There is a big pot of unclaimed gold in the middle of the table — why shouldn’t you be the one to claim it? You deserve it!

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    2. Become Goal-Orientated

    It’s almost impossible to achieve anything if you don’t set firm goals. Only lottery winners become millionaires overnight. By setting yourself attainable goals, you will get there eventually. Don’t try to get rich quickly — get rich slowly.

    Let’s take the idea of making your first million dollars and expand on what kind of goals you might set to get there. Let’s also say you’re starting at a break-even position – you’re making enough to get by with a few luxuries, but nothing more.

    Your goal for the first year can be having $10,000 in the bank within a year. It won’t be easy but it is doable. Next, you need to figure out the steps you need to take to achieve that goal.

    Always look at ways to make growth before cutbacks. With that in mind, you might want to see if you can negotiate a pay rise with your boss, or if there’s another job out there that will pay better. You might be comfortable in your old job but remember, comfort stunts growth.

    You may also have other skills outside of your workplace that you can monetize to boost your bank balance. Maybe you can design websites for people, at a fee of course, or make alterations to clothes.

    If this is still not enough to make the money you need to save $10,000 in a year, then it’s time to look at cutbacks. Do you have a bunch of old junk that someone else might love? Sell it! Do you really need to spend $10 on your lunch everyday when you could make your own for a fraction of the cost?

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    If you are to become a millionaire, you need to start accumulating money.

    Here’re some tips to help you: How to Become Goal Oriented and Achieve More in Life

    3. Don’t Spend Your Money – Invest It

    The reason you need to accumulate money is for step three. Millionaires tend to be frugal people, and that’s because they know the true value of money is in investing. Being your own boss goes hand-in-hand with becoming a millionaire. You’ll want to quit your regular job at some point.

    Stop working for your money and make your money work for you.

    Rather than buying yourself a new iPad, that $500 could be used to invest in the stock market. Find the right shares (more on that later), and that money could easily double within a year.

    There’s not just the stock market — there’s also property, and your own education.

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    4. Never Stop Learning

    The best thing you can invest in is yourself.

    Once most people leave the education system, they think their learning days are over. Well theirs might be, but yours shouldn’t be. Successful people continually learn and adapt.

    Billionaire Warren Buffet estimates that he read at least 100 books on investing before he turned twenty. Most people never read another book after they’ve left school. Who would you rather be?

    Learn everything you can about how economics works, how the stocks markets work, how they trend.

    Learn new skills. If you have an interest in it, learn everything you can about it. You’d be surprised at how often, seemingly useless skills, can become extremely useful in the right situation.

    Start developing the habit of learning continuously: How to Create a Habit of Continuous Learning for a Better You

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    5. Think Big

    While I advise to start off with small goals, you absolutely should have a big goal in mind. If you have a business idea, then that is your ultimate goal – to start that business and make a success of it. If you want to invest your way to millions of dollars and do little work other than research, then that is your big goal.

    There is no shame in not achieving a big goal. If you run a business and aim to make $1 million profit in a year and “only” make $200,000, then you’re still significantly ahead of most people.

    Aim for the stars, if you fail you’ll still be over the moon.

    6. Enjoy the Attention

    To be successful, you have to be willing to promote yourself and enjoy the attention to a certain extent. Now the attention doesn’t need to be on yourself, it could be on your brand, but attention definitely attracts money.

    Never be embarrassed to get your name out there. That means finding a spotlight and being brave enough to step right up underneath it.

    If you run a business, try contacting the local papers. You’d be surprised at how amenable they often are to running a story about you and your business, and it’s all free publicity.

    Above all, remember: You control your own destiny. Push hard enough for anything and you’ll get it.

    More About Thinking Smart

    Featured photo credit: Austin Distel via unsplash.com

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