BAM! It’s a noise no trucker wants to hear while driving their commercial vehicle, but unfortunately accidents do happen. Practicing safe driving habits can help avoid many accidents; however, it is equally important to understand how to properly report a claim. Quick and thorough claim reports will help you get the most out of your insurance policy, as well as help you get back on the road.
Claim reporting- Do’s and Don’ts
*Collect as much information as possible. This will help your insurance company determine fault, and ensure that fastest claim resolution. Obtain information from other drivers and passengers, and make note of any potential witnesses and their contact information.
*Take photos. Pictures taken of damage, vehicle and property alike will help your insurance adjusters have a better understanding of your case. Take photos of the accident scene, any road markers, and other identifying information such as license plates and insurance cards. If you do not have a smart phone, keep a disposable camera in your glove box.
*Contact the police. While police may not come out to every accident scene, it is important to notify the authorities just in case- even if the accident seems minor.
*Delay reporting your claim to your insurance company. Report your claim as soon as possible. Many insurance companies want to be notified within 24 hours of the accident.
*Admit fault. Never admit fault for an accident, even if you believe it so. Without a complete understanding of events, you don’t know whose fault the accident is. It’s possible the other driver was drinking or using a cellular device. Do not admit fault to the police or other drivers.
As always, make sure to have a complete understanding of your insurance policy. Every truck policy is different, and understanding the limits of your insurance policy will help you get the most out of it- especially in a claims situation. If you are unsure about your limits, or need assistance understanding your policy you are welcome to give us a call at Network Truck Insurance Services and we’ll be happy to help. Our goal is to keep your business covered!