You’ve had an accident, now what? You may still be recovering from the accidental stun. But it can be helpful to understand how your insurance provider will handle your claim. Here is a summary of what to anticipate, in the days and weeks following the event.
- You File an Insurance Claim
At the scene, you may have gathered the names of witnesses, took pictures, and took notes. You may also have discussed what happened to the authorities. However, you should still contact your insurance company. The accident record should contain all of this information, including the various vehicles and individuals involved, as well as insurance information from various other drivers.
There is often a due date for doing this. In Ontario, you need to record within 7 days. However, it is a good idea to contact the company immediately to get the claims process started.
- Claim Adjustment Will Call You
Once you have submitted your initial claim, the adjuster should contact us with you further. They may ask you to provide more information or complete more forms. The adjuster’s job is to provide you with information about the claims process. They should also tell you what is covered and how much.
Insurance providers may ask you to visit certain websites, such as a repair center they consider to be their favorite supplier, to have your car repaired. They may also ask you to meet with a claims consultant in person.
Under the standard Ontario Driver’s Plan, the insurer has 7 days after the proof of loss invoice — i.e. your claim — to provide notice of its intention to repair the vehicle. After that, he had to do it within a reasonable timeframe.
Of course, you may also be injured in the accident. The standard plan stipulates that the insurance provider must send you an application for Accident Benefits. You have thirty days to send it back to the insurance provider. The company then has 10 business days after receiving your completed application to pay for certain benefits, such as Income Reimbursement.
- Insurance Company Will Determine Error
From the information they receive, the insurance provider will decide how to divide the blame for the accident. Keep in mind that this phase may differ depending on your district. Both Alberta and Ontario have systems consisting of fault determination. Also if someone is charged with a violation, they are not always liable for the accident. Insurance companies make this decision on an individual basis. In Ontario, insurance providers are required to use certain fault decision rules.
- You Have a Chance to Dispute the Wrong Decision
It could be that you are different from the assessment of the insurance company. In Ontario, you can ask customizer what guidelines they use for your files. If you still don’t agree, you can discuss the situation with the insurance company’s complaint police. Every insurance company is required to have a specific complaint resolution process.
- Insurance Company Will Repair or Abolish Vehicle
When it comes to major damage to your car, the insurance provider decides what to do. If it is cheaper to write off the vehicle than it is to have it repaired, they will pay the car’s true cash value. Or else, they have to spend on repairs.
- You Must Receive Inning Payment according to Your Package
After completing the claim process, you will receive the appropriate payment. It consists of points such as vehicle damage and injuries. How much you receive depends on the amount of your insurance deduction, and your coverage information. This may make a difference depending on whether you have a standard plan or whether you are spending on optional coverage.
Under the Ontario Driver’s Plan, if the insurance provider does not provide notice to repair the damage, it has 60 days to pay the claim. If a conflict has triggered an evaluation, the insurer will then have 15 days after receiving the appraiser’s record.
- When to Record Accidents to Authorities
It is mandatory for Ontario drivers associated with accidents that cause injury, and/or trigger combined problems exceeding $2,000 to register the collision with the authorities or accident coverage center within 24 hours. Failure to do so could result in you being billed for leaving the scene of the accident, an offense under the Freeway Traffic Act. File the authorities’ records, either through the authorities or at the nearest Collision Coverage Centre, creating accident documents, which can protect you in the insurance claim process.
