Single car accident insurance claim cover a situation where one vehicle involve in an accident or damage with the driver being at fault or not at fault. This could be as a result of natural occurrences or something out of control of the driver. For example, slick road conditions.
With such happenings, you get to enjoy both collision and comprehensive insurance. When a driver gets involve a single car accident, a claim can be made on collision insurance and at the situation where the accident was beyond the control of the driver, a comprehensive insurance claim is available.
Most often, certain single car accidents which are deemed driver’s fault do not attract claims on their insurance. For example, using the phone while driving causing a distraction.
Due to such circumstances, it’s advisable to seek audience or consultation from an experience lawyer on the options available and if you are eligible or not.
Most individuals believe you can only make claims on car insurance when there are two cars involved. But that is not so, with just one car involvement, people can be compensated.
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How it works
Once there is an incident of a single car accident, the driver is expected to proceed to making a claim from its insurer. The documents review the documents submitted by the verify its credibility before they go ahead to take care of the damages made on the car.
Making a claim on a single car accident depends on the type of insurance policy; for the car or owner.
A single car accident can cause physical injuries to the driver and others in the car if not alone and also car damage.
How to make single car accident insurance claim
The first factor you should take note of is involving the police. Making a report and filling for an FIR and indicating the car registration number, cause of accident and license number of the involved driver.
Report damage or accident of single cars to insurance company and attach the necessary documents for verification.
Most insurances companies have a stipulated time period they expect affected individuals to make claims on such issues. The most common one is within 24 hours after the accident happened.
You can make claims on online and in person to the insurance company.
Documents needed to make single car accident insurance claim
Driver’s or car owners who make claims on single car accidents are required to provide certain documents or evidence to indicate that their situation is genuine. Below are the documents to submit;
- A copy of the car insurance policy.
- The filed FIR report submitted to the police.
- Properly filled and signed claim form.
- A copy of car registration certificate.
- A copy of valid driving license
- Photos of damaged car and information on repair expenses, other expenses
- Genuine copy of medical bill incase there was physical injuries.
However, have it in mind that an insurance company can approval and deny your claims based on the documents and information provided. The insurer does a background check or investigation on the incident. They can sometimes get information from witnesses who were present during the time of the accident if there people around.
