Car insurance settlements: Details

The growing vehicle population is also a reason for the rapid growth of car accidents. When we buy a car, one thing that has become mandatory is to buy car insurance. The goal of car insurance is to mitigate the damages to the car after an accident. Settling claim is a term used by insurance companies to pay compensation to policyholders who have been involved in an accident and have damages to their cars. But often, getting a claim after an accident becomes the reason for sleepless nights. If you have been in an accident and your car insurers are not cooperating on paying the compensation you deserve, talk to a car accident attorney in Los Angeles and let them handle the insurers on your behalf. At the same time, you complete the quota of your sleeping hours. 

Car insurance settlement claims

While purchasing a car insurance plan, the would-be policyholder has to decide which type of policy they will opt for:

  • Third-party.
  • Own damage.
  • Comprehensive.

The car insurers allow the policyholders to request compensation for the damages that the car has incurred after an unfortunate event. The type of insurance you have bought and Insured Declared Value (IDV) decide what amount you will receive for the damages. 

Car settlement claims: Types

Cashless: If you go to the garage that your insurer suggests, you will be able to avail of a cashless claim. You will have to pay very little or no amount for the repair of your car. The insurer will pay your bills directly at the garage.

Reimbursement claim: Suppose you do not want to repair your car at the garages suggested by your insurer. In a situation like this, you will have to pay the bills for all the repair work done at the garage and later apply for reimbursement. 

Car insurance claim: Documents required

  • Insurance policy deed
  • Correctly filled claim form.
  • Registration certificate of the car
  • The driver’s license of the car owner and the person driving the car at the time of the accident(based on the scenario of the incident)
  • Up-to-date pollution certificate
  • Bills of the repair work(in case of reimbursement)
  • The police report of the incident

Parting note

The insurers will promise you stars and moons when buying a car policy. But getting a settlement claim you deserve is quite a tough job. If the insurance company is not coming to terms with you, call a car attorney. 

Karen J. Simmons

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