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When it comes to car insurance, many motorists are of two minds. For some, it's a chore that's both tedious and costly, for others who've had an accident, it might save them from financial ruin. In the following, we give recommendations for action in the event of an accident.
What to do in the event of damage?
The following behavioral measures are advisable:
- Stop,
- Record damage - in the event of personal injury, initiate first aid measures and call an ambulance,
- Exchange data,
- damage report to insurance,
- wait and answer questions.
Will about one parked car or public property (Lamp posts, crash barriers, bollards, traffic signs, etc.) is damaged, it is of course difficult to exchange data. In such a case, it is advisable to take meaningful photos and leave personal data on the vehicle involved after a certain waiting time has passed. To the accusation of driver escape To avoid this, the police can also be contacted to be on the safe side. However, it is not absolutely necessary to take a picture at the scene of the accident, but you can transmit your own data and mobile phone photos over the phone. The allegations of possible accident opponents are refuted right from the start.
claims settlement!
On the insurance side, attempts are made to settle claims as far as possible reduce your recruitment costs to be processed for the insurance company, which may result in not the full damage is taken over. Becomes a expert commissioned, this can usually work to convince the insurance company by specifically quantifying the damage, preparing cost estimates or, in the worst case, the write-off certified. So it may be that a higher payout is achieved.
damage not caused?
It is particularly annoying when you are on your own vehicle in absence damage incurred. A report made against an unknown person usually runs erfolglos. Nevertheless, should also be considered with regard to car insurance not be waived. If you can carry out repairs on your own vehicle, you can save money. However, in the case of damage caused by third parties, a hasty self-repair be waived. And the damage caused to public property is often offset by damage to one's own vehicle. And sometimes there are also various problem areas in municipal responsibility not adequately marked.
One example is the towering sewer covers in the streets, which quickly destroy the front apron or the oil pan. Also rough potholes can be such a problem. If damage occurs to the vehicle in such a case, Municipal insurance is usually liable. However, in such a case, with a quick agreement not to be expected, so that the commissioning of an expert can be worthwhile. There in case of damage many things have to be considered, it helps to know what to do. Therefore, the following sections provide a small overview!
CALL THE POLICE?
- If a rental car from a company is involved in an accident, serious damage to property or personal injury, a dispute or hit-and-run, the police should to be summoned. In the event of damage to the paintwork, she usually does not respond. You should also call the police if someone is injured, this also applies if you are arguing with other people or if they have run away. However, one should bear in mind that the police do not decide who is responsible for the damage or who is to blame. That's why you can't hope for an answer to questions of responsibility. Questions should therefore only be answered with information about the people and vehicles involved.
WHICH PHONE NUMBER?
- In the event of serious property damage, injuries or even death, the person involved should first call the police on 110 and/or call the emergency number 112. Alternatively, you can of course also contact the nearest police station.
WHICH INSURANCE?
- Whoever caused the accident is 100% to blame? Then your insurance company will cover the entire damage. In the case of partial liability or a claim by the opposing party in the accident, motor vehicle liability should be informed. The facts will then be checked by the two insurance companies, taking into account all the information provided by the parties involved and any witnesses. The decisive factor is who is involved in what way in the accident. The receivables are structured according to this liability portion. If you have fully comprehensive insurance, this will step in if the contractual partner's insurance only pays a part or nothing at all.
REPAIR?
- If you have the vehicle repaired for a fee (which you can decide), they can Costs be settled with the insurance company. The insurance covers the net cost of the repair and, in the event of a total loss, the difference between the replacement value and the residual value is reimbursed.
ACCIDENT REPORTS?
- A damage assessment by an expert with preparation of an accident report takes place from a damage amount from 800 € instead of. If you are injured, you can commission an independent motor vehicle expert. The appraiser will calculate the damage and provide an estimate of the vehicle's residual value.
INSURANCE DOES NOT PAY?
- It is often a workshop invoice that is not accepted. If the insurance company refuses to pay after an accident, and this happens after the preparation of the report or vbefore determining the specific damage, then there is the possibility of one Lawyer for traffic law to consult. The latter can check and pursue the claim for damage settlement.
RENTAL CAR?
- If a rental car is required while the damaged vehicle is being repaired, it should be driven at least 20 km per day. The choice should also be based on a rental car lower vehicle class fall.
OTHER SERVICES
- The costs for tow truck, lawyer, appraiser, processing fee and even telephone or mail processing fee are included liability guarantee counted. This means that if 75% of the liability is awarded, three quarters of these costs will be paid out. The personal contribution is thus 25%.
ACCIDENT ABROAD
- It is often not possible to get a clear picture of what happened in the accident. Any claims for correct accident compensation are therefore subject to different rules. Motor vehicle liability insurance fully covers the policyholder's damage.
And finally ...
As a rule, car enthusiasts do not shy away from the expense or effort of keeping the vehicle in good condition, both optically and in terms of safety. Car insurance is therefore one matter of course. With its additional options such as comprehensive insurance and cover letter, it is comparable to health insurance: So it is paid regularly, but you are happy if you don't have to use it!
Are you planning to buy a new car and are you therefore looking for financing? Or should the modified baby and its attachments simply have the best possible insurance? Then ours Credit, financing, leasing, insurance & Co. categories exactly the right place to go for information. And also cheap financing for Accessory parts is there. Is the new one forged wheel, the planned Airride air suspension or the one you want foiling too expensive? Then a little one might help Financing in the process of implementing the modification on the vehicle. And also the topic Leasing or the vehicle sales are not neglected here. Just click through the posts and get the answer to your questions.
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