Understanding Insurance After a Car Crash

In the event of a car crash in Idaho, or anywhere else, it’s helpful to know how insurance works. This can allow you to handle the situation promptly and effectively so that you’re fairly compensated for your damages.

What it means to have insurance

If you have an auto insurance policy, you are in a contract with the company you purchased it from. It’s an agreement that they will provide financial coverage if you’re in an accident and your car is stolen or damaged, among other things.

The way that your insurance works in truck accidents depends on the type of coverage you have. Types of auto insurance include:

  • Bodily liability insurance
  • Property liability insurance
  • Medical payment coverage
  • Collision insurance
  • Comprehensive insurance
  • Gap insurance
  • Rental reimbursement
  • Uninsured and underinsured motorist coverage

Bodily liability insurance and property liability insurance are both usually mandatory. Depending on your state, Medical payment coverage and Uninsured and underinsured motorist coverage may also be required.

What to do after the accident happens

It’s important to gather the essential information to get as much as possible from your claim. You should file this claim with the insurance company immediately after the accident occurs.

After the claim is filed, your insurer will send an adjuster to investigate your case. They will look at everything from the car itself to the scene of the accident. This person will also ask you and other witnesses questions about what happened. The adjuster will also look into police reports, medical records, hospital bills and proof of lost wages with your consent.

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