In case, you have been involved in an auto accident and have to file an insurance claim then you need to follow a definite process. When you involved in an unfortunate event of car accident which includes injury and property damage you need to file a claim with the insurance company. The process may seem a little tough to comprehend but with a personal injury lawyers Toronto you can navigate your way through trouble.
Report the Accident
After an auto accident involving property damage and accident, you have to file a report to the broker, insurance agent, or the insurance company within a week regardless of who is guilty. If you are unable to report the accident within a week then you should do it as soon as you can. This is because if you fail to report the accident within a prescribed time then the insurance company might refuse to honor your claim.
Keep the following facts ready : the name of the insurance company of the owner, the number of the policy, your vehicle’s year, make, model, license plate number, the name and license number of the driver, the time, date, and location of the accident, the extent of the injury, and the total number of passenger involved.
Read the Policy Carefully
You should take some time out and read the policy carefully. It states the specific details of the insurance coverage, you responsibilities, and rights under the contract. In case, you do not have a copy of the policy, ask for it from your broker, agent, or the insurance company. You will be able to understand the claims better if you know the details of the policy.
Once you have filed a claim, you will be contacted with the person who is adjusting the claim. In some cases, the adjuster might want to meet you, while in other times the entire claim is taken care of over the phone. You might also have to complete a claim form to support your claim. To ensure that you deal with this kind of problem easily please visit the Toronto Personal injury lawyer website.