What to do if you have an accident: The best safety advice
More than 3 million people were injured in motor vehicle crashes last year, with nearly two thirds of them killed.
A third of the victims died on the road, according to a survey by the Insurance Institute for Highway Safety (IIHS).
This means almost half of all road fatalities are preventable.
It is no surprise, then, that motor vehicle crash insurance premiums have been rising.
But it is still essential that we take action to ensure that those who are killed in road accidents are taken care of, says insurance expert John Ralston.
“In many cases, if you are injured, you can get out of the car and go to hospital or pay for the cost of an ambulance, but in most cases you have to pay for your own accident claims,” says Ralstons son, Matt Ralstone.
A key piece of advice is to make sure you have all the information you need before you start a claim.
“[The insurance company] needs to know if you’ve suffered a fatal motor vehicle collision, where the accident happened, who is involved, and what happened,” says Matt Rallstone.
“If they don’t know all that, they might be tempted to charge you for the accident, but it is a lot less likely to happen.”
There are many different types of insurance.
Some offer a basic policy, while others offer a high-value policy that pays for medical and funeral costs.
Insurance companies also offer car and truck accident claims, and cover all the costs for loss and damage to your car and property.
You’ll pay a deductible, but there is also a cap on your premiums, so you can’t lose more than £1,000.
You’ll also pay out of pocket, if your accident happens to be on the private insurance you’ve paid for.
This includes car hire, or car loan insurance, which is normally used to cover the costs of repairs and other repairs.
When to claim?
It’s important to understand how the insurance industry works.
The main types of accident and road safety claim that can be filed include: Accident: If you’re killed in an accident, the claim is usually made against your insurer.
Your insurance company will normally provide a detailed claim that includes the date and time of the accident and any relevant details.
It will also include your name, address, date of birth, and any personal details you’ve given to the insurance company.
Boat Accident – If you or anyone you know is killed in a boat accident, your insurer will normally make a claim on your behalf.
If you don’t have an active insurance policy, your claim will usually be made by the insurance companies.
You may be entitled to up to £1.5 million.
Traffic Accident Accidents and other similar events that cause death or serious injury can also be covered by your insurer, although this will be paid for out of your own pocket.
Car Accident If you were injured or killed in your car accident, you’ll usually be eligible for a claim for car insurance.
If your car was involved in an incident, you may also be entitled for a deductible and other benefits.
Mortgage insurance will usually cover your car or mortgage.
Auto accident claims If you die in an auto accident, some insurers will pay out a claim that covers the costs incurred by your family or a member of your household, including medical and burial costs.
Road accident claim A claim will typically be made for a range of costs including the cost for the police investigation, the cost to repair the damage, and the cost in time and money to pay your medical bills.
The claim will generally include the date of the incident and any other relevant details and may include your surname and address.
Claims can also include the cost incurred by the car manufacturer to repair your vehicle, the amount of damage caused to your vehicle or property, and a detailed description of the collision.
Personal injury claims Insurers will generally pay out claims if you or someone you know has suffered a personal injury.
Insurance companies also cover the cost associated with a personal injuries claim, which includes the cost you’ll have to bear in court if you lose.
Truck accident claims If you were involved in a truck accident, insurance companies will generally cover your loss and damages from the accident.
Other claims and exclusions are generally limited to personal injury claims, which cover the damage caused, medical expenses, and funeral expenses.
For more information on how to claim, you should contact the Insurance Agency of Queensland (AQQ) or contact your local motor vehicle insurance company to check if you can claim.