Notification of Your Insurer Following Involvement In Accident

Anyone that has purchased an automobile insurance policy has agreed to abide by the terms of a contract. The terms in that contract indicate that the insurer expects to be notified in some way, whenever a policyholder becomes involved in an accident.

How are policyholders supposed to contact the insurer?

Those that do not have an agent, or have not been able to contact their agent should call the Claim’s Department at the company that issued their automobile insurance policy, as per personal injury lawyer in Orangeville.

Those that do have an agent should try reaching that same agent. Each of the contacted agents should be asked to share the reported information, concerning the accident that had resulted in damages and possibly injuries for the policyholder. Later, if the Claim’s Department has failed to confirm its awareness of the policyholder’s report, then the person that was the source of that same report, should personally contact the Claim’s Department.

When reporting an accident, what information should policyholders share with either their agent or the Claim’s Department?

The policyholder’s name
The name of the other driver
The names of any witnesses
The name of the medical provider for any of the injured individuals in the damaged vehicle
A statement about how the accident had taken place.

In what other ways must the reporting policyholders cooperate with their insurance company?

Sign a form that grants to the insurance company permission to view the policyholder’s medical records.

Study the same form, before signing it; make sure that it would not grant the insurance company with the ability to view the credit history, in addition to the medical history.

Listen to requests from their insurance company. Evaluate each request. Policyholders do not have to go along with a request that has been fashioned around the insurance company’s needs and schedule, instead if the policyholder’s needs and schedule.

What could happen if a policyholder failed to act in compliance with the contract?

After the 1st offense, the policyholder would only receive a warning. Yet, those policyholders who continued to keep information on one or more of their accidents away from the insurer would face some type of punishment. Perhaps the facts that had reached the eyes and ears of certain members of the insurance agency would demonstrate a readiness to ignore the terms of the contract.

The words and actions of the claimant/policyholder might disclose a readiness to ignore the terms of the contract. That attitude, and the actions that managed to underscore its existence could push the insurance agency to cancel the document that had guaranteed insurance to certain motorists.

Policyholders could prevent such an occurrence by doing their best to cooperate with the employees of their insurance company.

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