How Your Insurance Provider Can Help You After a Car Accident

Dental implants are becoming the widely popular choice in tooth replacement because of the many advantages they have over other options such as dentures and bridges. Implants are permanent and closer to natural teeth than any other option. Understanding the different types of implants and how they work can be confusing, but dental implants expert Dr. Izchak Barzilay explains are five key points about that you need to know as you consider if they may be right for you.

What’s worse than going through a car accident is the aftermath that you are left to deal with. As if broken bones, windpipes, and your beloved Mustang or Civic weren’t punishment enough, you’re actually left to deal with paperwork and costly medical and legal bills. Fortunately though, this is where your months and months of paying off insurance premiums kick in and rescue you from the financial hole that’s about to swallow you whole. Here’s how your car insurance provider can help you through this troubling time of your life.

Have the Right Policy

An insurance company will only be able to cover you if you have the features included in your policy. Canada laws require all motorists to have at least a basic auto insurance policy. There are fines for vehicle owners and drivers who fail to get car insurance plus the probability of your license being suspended and your vehicle ceased. Discuss with your insurance broker what coverage features you should consider, such as third-party liability, statutory accident benefits, direct compensation, uninsured automobile, etc.

Collect Pertinent Information

To be able to assess how much should be paid out, your insurance provider will need to collect pertinent information. The driver who is responsible for the accident is usually the one who needs to report the information their respective insurance company, but it’s safe if you also contact their insurance company. Most drivers who are at fault during an accident will be reluctant report it. Information that must be collected includes the other driver’s first and last name, address, insurance provider’s name and policy terms, statements from witnesses at the scene of the accident and their respective contact details, and photos of the scene.

Meet With Your Insurance Company in Person

Once you file a claim, an insurance representative assigned to your case will contact you. It’s not unusual for the representative to meet with you in person, but some cases are handled over the phone. a Claim Form, also regarded to as a Proof of Loss form, must be completed as well. The representative will also explain the coverage features and the extent to which the policy can back you up.

Get the Vehicle Repaired

Vehicle repair should be your next concern after the flesh wounds start healing. Without a car, it’s hard to get to and from work as well as to other places you need to be. In Canada, you can have your choice of repair shop that’s going to work on your vehicle as long as the insurance company approves of the estimate you submitted. Keep in mind that there is something called a “betterment” charge, which is charged to your account if the repairs significantly enhance the vehicle’s performance or aesthetics than it was prior the accident.