claim for motor accident

8/9/2019 Claim for Motor Accident

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BY- P. TUSHAR


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Auto policy--A policy is a contract between twoparties, the purchaser of that policy and theinsurance company providing coverage for aspecified premium.

Terms, conditions and exclusions of the policy, this isalso known as the insuring agreement.

Declarations page This page shows what vehicles

are covered, the drivers that are covered, the limitof the policy, and insured's portion of responsibility.Also listed on the declaration page are specific formsand endorsements, called add-ons that are includedin the policy. Knowing this will enable thepolicyholder to be aware of what is covered andwhat is not in the policy.


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Premium - the amount charged by the insurance companyfrom the insured for coverage against specific losses.

Insured - this is the first party or direct customer of thecontract, this usually the policyholder.

Covered Persons - drivers that are covered under thepolicy. Usually this includes all family members or anyperson driving your vehicle, unless a person is specificallyexcluded.

Damages - these are what will be specifically paid out if a

loss occurs. Generally, this covers property and liabilitylosses, which include bodily injury. The policy can also payfor specific, verifiable expenses that the other party incurs,and general losses, other party's pain and sufferingcompensation. These two losses are covered under theliability portion of the policy and are subject to the limits of

liability for the policy. Punitive damages are usuallyexcluded under most policies unless required by law.


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Claimant - is known as the third-party to any claimagainst an insured. They do not have a directcontract with the insurance company but they haveimplied coverage when the insured is deemed

responsible for the loss. Claim - declaration of damages incurred for a loss by

either the insured or claimant.

Claim Process - the handling of a loss by therepresentative of the insurance company.


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1) IMMEDIATELY MAKE SPECIAL NOTE OF: Names andaddresses of eye witnesses. And later the

investigating police officers name and badgenumber.

2) WEATHER CONDITIONS: Snow, rain, fog, mist, sleet,etc

3) ROAD SURFACE: Dry, wet, slippery, icy, etc

4) IMPACT AREA: City, suburban, business, wooded, etc

5) VISIBILITY: Sunny, cloudy, dusk, night, moonlight,etc. (Was the sun in the other drivers face)?


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6) TRAFFIC CONTROLS: Were there overhead lights?Posted speed limit signs? Stop or warning signs?Hospital or school zone signs?

7) CREATE A DIAGRAM: Driving area: Flat, crowned,straight, curved, macadam, asphalt, concrete,cobblestone, dirt, etc.

8) CONDITION OF THE VEHICLE THAT STRUCK YOU: Ageand general overall condition. Is their state inspection

sticker displayed and up to date? Were chains or snowtires needed?

9) AS SOON AS POSSIBLE RETURN TO THE SCENE ANDSNAP PHOTOGRAPHS


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10) PHOTOS OF YOUR BODILY INJURIES

11) There Are Six Areas Must Be Familiar With-

I) OUT-OF-POCKET EXPENSES:

MEDICAL EXPENSES

NON-MEDICAL DAMAGE

EXPENSESII) LOST TIME FROM WORK - - LOST WAGES - -YOUR "LOSS EARNING CAPACITY"


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III) PROPERTY DAMAGE LOSSESIV) WHAT YOUR MEDICAL DOCTOR AND/OR

CHIROPRACTOR REPORT SHOULD

STATE:V) MEDICAL PAYMENTS COVERAGE:

VI) WHAT TO DO IF THE ADJUSTER

REFUSES TO COOPERATE


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THANK YOU

claim for motor accident

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