| To get money from your car accidents insurance | | | | car accident. This means you have to collect |
| claims, you first need to know which insurance policy | | | | evidence such as photographs, car accident reports, |
| will pay for your vehicle damages. There are two | | | | statement from witnesses etc. The car accidents |
| main insurance policies that pay for your car repair | | | | insurance claims process can also take months to |
| costs. The first place to look is the.... | | | | complete because insurance companies aren't really in |
| Liability Insurance | | | | a rush to pay for your damages. |
| If you want money from your car accidents | | | | This makes dealing with another insurance company |
| insurance claims, you will need to file a Third Party | | | | really frustrating and time consuming. To avoid this |
| Claim against the other driver's Property Damage | | | | you can file a car accident insurance claim under |
| Liability insurance. A Third Party claim is whenever | | | | your.... |
| you want to file an accident claim against another | | | | Collision Coverage |
| driver's insurance provider. The driver and the | | | | Collision coverage is an insurance policy with your |
| insurance company are the first two parties; you are | | | | own provider that pays for your car repair costs, |
| the third. | | | | regardless of who caused the auto accident. The |
| Usually, the liability insurance is enough to cover the | | | | benefits of filing under your collision coverage are |
| cost of an average car accident. | | | | that: |
| Even if the other driver purchased your state's | | | | - You are guaranteed to get money for your car |
| minimum liability insurance requirement, you will find | | | | damages. |
| that it is enough to pay for your vehicle repair. For | | | | - You save time because you don't have to collect |
| example, New York's state minimum property | | | | evidence against another driver. |
| damage liability insurance is for $10,000. Other states | | | | - The car accidents insurance claims process is |
| minimum requirements fall between $5,000- $25,000. | | | | smoother since you are dealing with your own |
| The first thing you should do is get a copy of the | | | | insurance company, instead of another insurance |
| other driver's insurance policy. This way you can | | | | provider. |
| check how much money you can potentially get | | | | The whole process can be completed quickly and |
| from his/her liability insurance. The liability insurance will | | | | you can receive an accident settlement check within |
| be listed as three numbers where the first two | | | | a few short weeks. |
| numbers are for bodily injury limits and the third | | | | However, the disadvantage of filing under your own |
| number is for property damages. | | | | collision coverage is that you will have to pay a |
| For example, a New York State Liability insurance | | | | deductible. The deductible is typically a few hundred |
| policy may read 25/50/10. You would read this as | | | | dollars which you must pay out of your own pocket. |
| "$25,000 for each injured person with a $50,000 limit | | | | Once you have paid the deductible, the insurance |
| per accident and $10,000 for property damages." | | | | company will pay for your repair costs. |
| Now you know the most you can get from your car | | | | So you need to decide whether it is worth paying |
| accident property damage insurance claims is $10,000. | | | | the deductible to get your vehicle fixed quickly, or |
| You can then determine if this will be enough to pay | | | | not pay the deductible and prepare to convince |
| for your vehicle repairs. | | | | another auto insurance company to pay for your car |
| However, just because the insurance company can | | | | damages. |
| afford to pay for your damages, doesn't mean it will. | | | | This can be a tough decision and there is no right or |
| You still have to show the other driver caused your | | | | wrong answer. |