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Very often, customers are unsure how to address claims in case of an accident. First, it is important to assess the extent of the damage you are facing. Sometimes, experienced car drivers are able to gauge this effectively. It is also important to thoroughly know your insurance policy and coverage, such as whether you have uninsured motorist coverage (which has two components, one that covers medical costs and the other that pays for your car repairs). Also, check for your deductible — typically, if you have a lower deductible, you are paying a higher premium, which means that in case of an accident where the estimated damages are $2000, and your deductible is $500, you are only required to pay the deductible amount while the insurance provider will pay the remainder.

Of course, in cases where the other driver is determined to be at fault, or in cases where you have zero-deductible/liability insurance, you do not need to pay any out-of-pocket costs. Each individual’s case is unique depending on the insurance coverage and deductible you signed up for. In case of any doubt or if you are unsure, I highly recommend talking to your insurance provider for better guidance and advice. If you find you are not getting the right answers from your insurance provider in cases of uninsured motorist or hit and run cases, I strongly advise contacting an experienced attorney specializing in such cases, who can better guide you.