Have you ever thought about what you would have to pay if your car crashed? Or what would you have to do? Many will tell you that you must hit the one who hit you and force him to pay you, or that you must flee to avoid being held responsible for something.
But in reality the process to follow is very different
If you were hit, it is important to quickly identify who has the responsibility and which of the cars have vehicle insurance.
If the crash occurs between two cars that have vehicle insurance (very separate from the KLIS).
If you are responsible, you will have to pay the deductible established in your policy (if you want to know what the deductible is and how it works, click here ) to be able to repair your car and also pay the deductible of the other involved.
If you are not responsible, you can access the insurance company agreement and you will not pay the corresponding deductible. The other company will assume the expense and you will repair your vehicle with your insurer.
If the crash occurs between a car without vehicle insurance and yours, it does have insurance.
Your insurance will cover expenses, whether you are responsible or not. If you want to use your insurance, you should not reach an unofficial agreement with the other party. If you are not responsible, the company can initiate a process against the person responsible for the crash.
The claim process
It is quite similar to the KLIS claim process . The requirements depend on what the insurer requires and the magnitude of the crash, so you should review your policy, but they usually request a complaint or proof of the crash .
For that, you must go to the police station, where you will pass the ethyl dosing and then you must make sure that the data of the people involved (personal data of the driver and data of the car) are specified on the record.
After that, you should go to your insurer and fill out the applications provided by your company and submit the documents they request (including proof of the accident).
If you do not have vehicle insurance, and you are involved in a crash, then you will have to bear several expenses in procedures and repairs for both your vehicle and the other vehicles or goods affected. These costs can be very high and that is why it is highly recommended to have vehicle insurance. If you still don’t have vehicle insurance, stop taking a risk driving like this and use our Heroswer Gerthisadoe vehicle insurance comparator to get the cheapest and most beneficial options. Compare, choose and request the one you want.