I live here in California, and I can certainly say that it is alarming to know that there are real-life instances where insurance claims could not be made, especially since this state has one of the highest statistics when it comes to automobile accidents, owing to the fact that it is densely populated. One of the absolute worst things that can ever happen to you is when you pay a fortune for your car insurance and then not be able to collect a single cent of it at the time of a car accident. After going through all the trouble of researching and comparing quotes, it would definitely induce a state of depression if it were all for nothing.
According to an anonymous inside informant whom I’ve known for quite some time and trust wholeheartedly, there are certain tips that can help us motorists avoid being taken advantage of and thus be able to collect every single dollar that’s owed to us. These tips during a claim in California car insurance include, but are not limited to, the following:
(1) After a car accident, there would be situations when you would be unable to work. You can actually collect for your “Lost Wages” from your insurance even though your employer pays you during your sick leave.
(2) If ever you are in the process of recovery after getting into a serious car accident, your doctor will of course prescribe certain medications such as antibiotics and pain killers. But what people seldom realize is that they can reimburse for all these over-the-counter prescription medications.
(3) Unless a claim ends up in court, you don’t have to agree to be examined by the insurance company’s doctor under normal circumstances.
(4) You are entitled to collect the “Gross Amount” of your lost wages, not the so-called “New After Taxes”.
(5) If ever you are a housewife and unfortunately injured in a car accident hence cannot carry out specific tasks or generally work because of it, you can recover for “Lost Wages” as well, but this will be based on the value of a maid’s or a domestic servant’s, who typically does the same type and amount of work.
(6) For those who were forced to skip out or cancel a vacation and/or special occasion or event because of being involved in a car accident, keep in mind that you are actually entitled to extra compensation from your insurance!
(7) Since California is a “no-fault” state and follows the Financial Responsibility Law, motorists are not encouraged to, but not prohibited from, buying Personal Injury Protection to add to their California car insurance. For those motorists who did not purchase PIP coverage, there are certain circumstances when you can make a claim and collect for it.
(8) Family members, relatives and friends have the right to execute statements which can help show adjusters what kind and the extent of your injuries are. This can also be evidence of what you had to go through during the recovery period.
These tips can help provide insured motorists to get a better value for their money especially when it comes to the computation and the settlement of car insurance claims here in California, particularly the personal injury claim.
What are you waiting for get yourself California Car Insurance Quotes Online.
The Peachy Painter 