In as much as we abhor them, accidents do happen. And when they do, their effects are often devastating. Also, your reaction could make the difference between a claim that will take months to settle and one that’s pretty straightforward. 

Here’s what you need to do in case you’re involved in an accident in Catonsville, MD:

1. Stop and assess the damage. Do not drive away even though the accident is minor. 

2. Should the situation be beyond your control, call the police. They will be able to assess the damage further as well as establish who was at fault. The police report will also come in handy when you are filing for a claim with your insurance provider, so, make sure that you give an accurate account of what happened. Gather necessary information such as the name and address of the other driver and the status of their insurance policies. 

3. Call for an ambulance should anyone be injured. Make sure you protect the scene of the accident putting up flares and so on. If it’s necessary that you move your car, take photos before you do. 

4.  Report the accident to your auto insurance provider. Based on the severity of the accident, a decision will be made on whether the vehicle should be towed or it can be driven to the nearest garage. Your auto insurer will send an assessor to establish how much you should be compensated. 

5. Your insurance provider will walk you through the process of filing for a claim. Ensure that you retain a copy of your claim form and other accident-related information.  

In need of an auto insurance policy in Catonsville, MD? Contact HBW Insurance Group for a free estimate. We have an array of auto insurance coverage options designed to meet your auto insurance needs. 
 

4 Common Car Insurance Problems to Avoid For Claims

Introduction. Most policyholder mistakenly believes that buying a policy automatically makes them qualify for an insurance claim settlement. According to experts at HBW Insurance Group, once you file the claim there are certain behaviors or decisions that can still invalidate your claim. Here are four possible auto insurance mistakes that may delay or invalidate your settlement of a claim.

I. Failing to Act Quickly. From the moment an accident or incident occurs the clock begins ticking. Most insurance firms around Catonsville, MD have a set period within which you must report the incidence. You have to report the incidence and file the claim as soonest as possible. This makes it easy for the policy provider to follow up when the details are still fresh.

II. Failing to Provide Required Information. During the reporting of the incidence, you have to provide all the critical information that is required. Failure to divulge critical information could lead to delays or even eventual termination or denial of your claim. These include what happened, where, who was involved, how it happened, and the extent of the damages.

III. Withholding Information When Buying the Policy. Many policyholders lie so that they can pay lower premiums. However, this might come back to hurt you during the filing of the claim. Make sure you provide all the accurate information that you have during the buying of the policy. Lying might get your policy canceled or your claim denied.

IV. Failing to Buy Sufficient Coverage. According to Catonsville, MD, always keep in mind that a policy only covers the issues specified during the buying of the policy. In then end buying insufficient policy may make your claim to be denied. Therefore, you ought to take your time to consider the worst case scenario and try to buy a cover for them.

Few people have an easy time staying within their monthly budget. As time goes by, expenses seem to mount at every turn. So when you think about your auto insurance, it’s easy to deem it one bill you couldn’t afford to spend more on. As understandable as that initial reaction might be though, HBW Insurance Group wants you to know why it could come back to haunt you. 

What Can You Afford?

A few extra dollars a month isn’t going to be pleasant to live without if you live in Catonsville, MD, there’s no doubt about that. But you have to take into account what you might pay without the right coverage. If you have liability only, do you know how you’ll get to work if you cause an accident? Liability will only cover the other driver. Do you know how you’ll pay for the repairs on your own or buy another car if the original one is totaled? Part of being a responsible driver is knowing that it’s better to pay a little more now than a lot more later. And while this exercise can be difficult because it means thinking about an accident, theft or property damage that hasn’t even occurred yet, the odds are too great that something will happen to your car over the course of your ownership to risk it to chance. 

Getting a Quote 

You have nothing to lose by getting a quote from HBW Insurance. We help the people of Catonsville, MD understand how insurance works to protect their savings rather than deplete it. It’s our pleasure to give you more information about finances, coverage levels and your overall protection, so call today to speak to one of our friendly staff members about our rates.