11 Steps to Claim Light Truck Insurance Yes Ensure

11 Steps to Claim Light Truck Insurance

Most states require that you carry basic liability insurance. Basic liability insurance covers only very limited costs associated with injuries, damages and claims against your vehicle. Since light trucks (SUVs, vans, pick-ups) are easily valued at $20,000 or more, this basic policy protection does not provide much financial coverage in the case of an accident. If you want financial protection for your light truck, you must purchase additional coverages. The following are 11 steps to claim insurance on a light truck:

1) Notify the Police if the Accident Involved an Injury or Property Damage

If physical injury occurs, even minor injuries like whiplash, seek medical attention immediately. Document the extent of the injuries with medical records.

If any property was damaged, take pictures of the accident scene. If you are not sure if personal or real property was involved, document that as well.

2) Write down all Details about the Accident

Write down where it happened, what time and day it took place. Take note of any weather conditions. Also, write down the contact information of any witnesses who saw what happened.

3) Report the Accident to your Insurance Provider

Call up your insurance company as soon as possible after an accident and give them all the details about it. If you don’t have insurance or if your basic liability policy won’t cover light truck accidents, you should purchase additional insurance for those situations.

4) Report the Accident to your State’s Motor Vehicle Registry

In most states, if an accident resulted in any personal injuries or property damage of more than a certain amount, you must file a report with the state within a set period of time. This is called a motor vehicle accident report. The state might send you a form to complete, or an adjuster might call you for information.

5) Notify your Creditors if Property Damage is Over $1,000

If your light truck caused damage to someone else’s property and it totaled over $1000, you must notify the owners of that property about it. Get their full names and phone numbers.

6) Notify your Insurance Provider of Property Damage or Bodily Injury Claims

If a light truck accident resulted in property damage or personal injury, you must immediately notify your insurance company. If there was more than $1000 worth of property damage, mail them the original repair estimates from the people who fixed it along with a claim form. If anyone was injured, mail them the original medical records from doctors and hospitals that treated that person, along with a claim form.

7) Look for Evidence of Insurance Coverage on the Accident Vehicle

If you have an accident involving another vehicle, be sure to check what kind of insurance coverage it had. You can normally find that information somewhere on the vehicle or in its registration. If it was not insured, you will need to be sure you have purchased extra coverage for those situations.

8) Call an Insurance Adjuster as Soon as Possible After an Accident

If your light truck is damaged and the other driver doesn’t carry liability insurance, or if he or she doesn’t have enough insurance to cover the damages, you should call a claims adjuster as soon as possible. The company’s claims representative will schedule an inspection of your vehicle and assess the damage for which you might be compensated.

9) Keep Track of All Related Expenses for Later Claim Adjustment

In addition to any property damage or personal injury expenses, you should keep track of any other expenses related to the accident. If you had to hire a rental car for several days or if you missed work because of injuries, those are things that could be reimbursed by the insurance company.

10) Take Pictures of Your Damaged Vehicle Before Repairing Anything

Take pictures of your light truck after the accident. If you had to hire a rental car for any reason, take pictures of that as well.

11) Contact your Insurance Company if You Are Unable to Continue Driving

If your insurance company will not cover you because your license has been suspended or because you committed an act of fraud, then contact them immediately and provide proof that your license has been reinstated or that you did not commit fraud. Do the same if your state will suspend your driving privileges for any other reason.

How long do I have to report an accident and file a claim?

In most states, you must report the accident and file a claim within one year after it occurred. Some states might allow longer periods of time in certain circumstances.

What if someone else caused the accident?

An insurance company assesses liability in accident cases. If they find that an uninsured driver caused the crash, then you will likely need to file a claim with your insurance company. They might be able to cover damages for which you are not liable or hold off on paying you until it can be determined if there is more than one party responsible for damages.

What happens if I don’t report an accident?

If you willfully fail to report an accident within the required period of time, it will be assumed that you are at fault for causing the accident. This can greatly impact how much you might receive in compensation or if you receive any compensation at all.

Do I need to notify any other parties besides my insurance company when reporting an accident?

Yes. If the accident resulted in personal injuries or property damage of more than a certain amount, you must notify the state of your claim within a set period of time. The state might send you a form to complete, or an adjuster might call for information.

For The Most Part

We hope you’ve found the 11 steps to claim light truck insurance helpful and we look forward to hearing your thoughts in the comments below. If this blog post was useful, please share it with friends on social media or email them a link!

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