When auto accidents occur in and around the Tampa, FL area, understanding the division of responsibilities between drivers and insurance companies is critical. As a driver, it is crucial to be aware of your obligations in the event of an accident while also understanding the role of your insurance company.
You have specific responsibilities to fulfill as a driver involved in an accident:
- Safety and Assistance: Check for injuries and provide necessary assistance. If required, call emergency services.
- Exchange Information: Exchange information with the other parties, including names, contact details, driver’s license numbers, and insurance information.
- Document the Accident: Take photos or videos of the accident scene, including vehicle damage and any relevant road conditions.
- Report the Accident: Notify your insurance company promptly about the accident, providing accurate details.
Insurance Company Responsibilities
Insurance companies also have vital roles to play after an auto accident:
- Claims Investigation: Insurance companies initiate an investigation to determine the cause and extent of the damage. This investigation may involve assessing the accident scene, speaking with involved parties and witnesses, and reviewing evidence.
- Coverage Determination: Insurance companies review the policy to determine the extent of the coverage applicable. Factors such as liability, deductibles, and policy limits are considered during this process.
- Claims Handling: Insurance companies handle the processing and settlement of claims. They work with all parties involved to assess damages, negotiate settlements, and arrange repairs or compensation as per the policy terms.
- Legal Assistance: When legal action arises from an accident, insurance companies may provide legal representation or work with external legal experts to protect their policyholders’ interests.
How Morgan Insurance Services Can Help You
At Morgan Insurance Services, we can answer all your questions concerning auto insurance coverage. We assist the Tampa, FL region. Contact us today.