Numerous minor accidents take place in Australia each day. Some accidents have huge damages while others result in minor injuries. The damages in minor accidents may be a scratch or a dent. Sometimes cosmetic flaws repairing are not smart since their cost is a lot more. Therefore in such minor cases, is there a need for reporting to car insurance company?
The answer is contractually yes. There are many reasons to consider this. Generally policies mention a clause that says reporting of all accidents to insurer is a must. This is difficult to follow in every situation. Sometimes when there is no injury and damage you may not even contact the police for investigation. Yet in most cases it is necessary that all minor and major accidents should be described to the insurance company.
Some chief factors that play an important role in your verdict making are.
- The injury and scope of vehicle damage
- Accident Occurrence
- Changes in Premiums
- Seek Legal guidance from the Attorney
There can be all confusion masking the true injury, making it seem less hurtful. You may feel alright during the accident but some serious pains may arise later. Thus, it is best to report all accidents causing injuries. Some accidents occur due to the driver’s faults, and thus you can get them repaid from them. However, to claim them you should know all the rules and procedures. Thus, seek for a reputed attorney for assistance.
You need not worry about the insurance premiums while reporting an accident. It is true that premiums may increase, but at least you can be on the safer side. However, if it is not your fault, then the insurance premiums may not get affected.
Dealing with Auto Accidents and Accident Lawyer
Auto accidents can happen anytime. Defending your rights is good in any case, and you’ll be able to see the advantages later on. Remember that while driving, you are responsible for small auto accidents to some extent. Therefore, it is suggested that you hire one of the best motor vehicle accident lawyers Perth.
Automobile accident report is the most important thing to consider after the accident. The police officer involves all parties, witnesses all the facts and determines who is responsible for the accident. The report will be registered with the local authorities and further will be sent to company for benefits.
Accidents are inevitable and there are rare drivers who make through life without bumps and dents. Minor accidents cause less injury and can be levelled with fewer efforts, but these can turn out to be a major issue if proper procedures are not followed. There may be huge vehicle repair cost for some cases. Thus, no matter who’s at fault, it is sensible to follow safety tips and inform the insurance company.
Other things you should take care of are –
- Ensure all parties are fine on the accident spot.
- Hold all the information around i.e. the driver’s license, number plate, other vehicles, insurance, etc.
- Note all the important details.
- If possible capture photographs
- Take the contacts and details of witnesses
- Request for a report and inform the insurance company
- Talk to your insurance agent