Car insurance is expensive and if you have an off-road vehicle, it can be even more difficult to find coverage. But what happens when you get in a car accident with your off-road vehicle? Is there anything that the driver of the other car’s insurance company should do for you before refusing payment? In this blog post, we’ll discuss 11 steps to claim insurance on your Off-Road Vehicle after a collision with another car or object.
1. Contact the police
Contacting your local police department is an important first step in any accident. Call them immediately, even if there are only small scratches on the vehicle. It’s useful for proving ownership of the car to an insurance company later on down the road. If it seems like a total loss, you might want to call your insurance company before calling the police.
2. Document damages
This means taking pictures of everything, including your injuries if you’re hurt. Make sure to document the date and time that things happen as well. If you can also find someone else at the scene who will act as a witness, that’s even better. Try to get their contact information as well, just in case you need them to testify at a later date.
3. Call your insurance company
If you have comprehensive coverage for your off-road vehicle, then the other party’s insurance should pay for damages that were not your fault. The first step is usually to call your own insurance and let them know what happened. Then your insurance company will contact the other insurance to begin negotiations on the terms of payment. If you have collision coverage, then it’s possible that your own policy may still pay for damages depending on your deductible and the extent of the damage (collision pays for damage caused by you, while comprehensive is damage not caused by you).
4. File a police report
The claimant should file a police report to show that the accident occurred. The claimant must file the claim within 10 days of the accident, or they will most likely be denied their insurance company’s help. If you are in an accident with your off-road vehicle, contact our office for legal advice. We provide free consultations to all new clients.
5. Contact your car insurance company
The claimant should contact their car insurance company immediately after the accident to start the claims process. The insurer will request basic information about the accident, which may include: detailed descriptions of what happened, how it happened, and who was involved; contacts and addresses for any witnesses; physical injuries sustained in the accident; and damage estimates for any damaged property (i.e. the other car, your car, structures).
6. Do not sign anything or discuss the accident with anyone else
Do not sign any documents presented to you by the other insurance company without first talking to our office. Do not speak about an accident to another person without consulting a lawyer first to make sure that your statements will not be used against you later on. Drivers who talk about an accident without a lawyer present may end up creating legal problems for themselves or even damaging their own chances of getting fair compensation from the insurance company.
7. Do not give recorded statements to insurance companies
Insurance companies may ask drivers to give recorded statements about an accident. Drivers should not agree to do so, even if the insurance company says that they will not use it against them later on. These recorded statements can be used in court to harm the driver’s case, and every statement given can potentially damage a claim.
8. Do not take action against the other driver without consulting a lawyer
Drivers who believe that another driver was at fault for an accident should not take action against them (e.g. filing small claims court; contacting their car insurance company, etc.) without consulting with one of our lawyers first. Drivers who contact another insurance company may be doing more harm than good to their claim (e.g. increasing their deductible, higher insurance rates).
9. Do not take money from the other driver or insurance company
Do not allow yourself to be coerced into taking money from the other party, whether it is directly or indirectly. Also, do not accept any money from your own insurance company. When you sign a release for your claim, you are essentially giving up your right to sue the other driver later on for more money regarding the accident.
10. Keep all documents and evidence
Keep copies of any documents or evidence that will help your case in a safe place (e.g. written statements about what happened; vehicle repair estimates; photos of damage to property; police report; proof of insurance, etc.). These documents can help you later on if your claim is challenged by the other party.
11. Contact an attorney and file a lawsuit
If you have followed these steps and still feel that we can be of assistance to you, then please contact our office for legal advice and assistance regarding the best way to pursue your claim. We offer free consultations to all new clients, so call us today!
Who should I contact after an accident with my off-road vehicle?
You should contact your car insurance company immediately after the accident to start the claims process. The insurer will request basic information about the accident, which may include: detailed descriptions of what happened, how it happened, and who was involved; contacts and addresses for any witnesses; physical injuries sustained in the accident; and damage estimates for any damaged property (i.e. the other car, your car, structures).
What if I need a rental car after an off-road vehicle accident?
Generally, you can use the coverage provided by your own car insurance policy to pay for a rental vehicle. If you do not have this coverage, it may be possible to claim the cost of renting a vehicle as a loss, if:
• the other party is at fault; and
• you need to take time off work or hire someone to drive you while your car is being repaired.
What if my off-road vehicle was damaged by water, mud, snow or another substance?
Depending on the cause of the damage, it may be covered under your car insurance policy. You should follow the claims process outlined by your own car insurance company.
What happens if I do not want to give a recorded statement about my off-road vehicle accident without first talking to a lawyer?
You can tell your insurer that you do not want to give a recorded statement at this time. You should then ask for an additional estimate on repairs while you seek legal advice at no charge.
What steps should I take if my accident was caused by someone else’s negligence?
You should first follow the claims process outlined by your own car insurance company. This may include submitting a “proof of claim” form; providing written descriptions of what happened, how it happened, and who was involved; giving a written statement to an investigator; and providing any other relevant information, such as photos of the damage.
What should I do if my insurance company does not seem to understand the extent of damage to my off-road vehicle?
Tell your insurer that you want a second opinion before authorizing repairs. You can also ask for an additional estimate from another party (e.g. dealer, other repair shop) and provide both estimates to your insurer.
What if I cannot locate my insurance policy?
If you do not have a copy of your current car insurance policy with you, then ask your insurer for another copy. Once you have this in hand, contact one of our lawyers and we will provide you with free legal advice.
What should I do with my off-shore vehicle after an accident?
If your off-road vehicle has been damaged as a result of the accident, you should have it towed to a repair shop or garage, and get several estimates on repairs. You should also take photos of the damage before having anything repaired. Keep any forms that are given to you by the other party’s insurer or at the scene of the accident.
Should I let the insurance company of the person at fault for an off-road vehicle accident record my statement?
You should not talk to the insurer of any party involved in an accident without first talking to a lawyer. If you do so, and sign any documents or reports produced by the other party’s insurer, then these statements can be used against you later on in court if there is a legal dispute regarding the accident.
Should I talk to the insurance company of the person at fault for an off-road vehicle accident?
You should not sign any documents presented by the other driver’s insurer without first talking to a lawyer. You should also not talk about what happened to anyone without first consulting with a lawyer, as doing so could potentially harm your case and/or cause you legal problems down the road.
In The End
Comment below to share your thoughts on this article. Do you have any questions about insurance for off-road vehicles after an accident? What is the best way to go about getting coverage when it comes time to claim damages? If so, comment below and let us know! We’ll be here with answers.