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Your Comprehensive Guide to Procedures of New Jersey Auto Insurance Claim

You have been paying your insurance premium for so many years, and finally you get in a roadside accident. Then this is the time to avail your auto insurance. The first thing that you need to file  a claim before the actual, is to ask the other driver about his insurance policies and details like his name, insures, car specifications and anything else that you can think of at the time. After this, the NJ auto insurance permits you to file a claim within two years of the accident.

The next thing to initiate claim is to get in contact with the insurance company of the other party. You must have asked the other person involved in the accident.

If you only got the name and forgot to ask about the further details, you can do an easy search on the internet with respect to the company. You would also need to file a police report in order to make the car insurance claim official. The next thing that you need to do is to contact the insurance company of the other person, and tell them the driver’s name, the number of his policy and all the information that you got regarding is a vehicle. Lack of a single specification might be compensated if the policyholder is recognized by the rest of the information. Next, you need to tell them your specifications like your name, contact details and the how and where the accident occurred.

After this, a claim adjuster from the insurance company would get in contact with you. He would ask you different questions relating to the accident, as well as the day and time specifications. You would also have to tell them about the damage incurred by your car and you, if any. They would also inquire about any people being present at the time of the accident who might be eligible for playing the role of a witness in the proceedings.

While you are doing this, the other driver will be using your details in for the same purpose. He would contact your auto insurance provider in NJ. Both the companies would conduct an investigation independently to verify the claims made.  They can also utilize third party resources like police reports to completely evaluate the scenario. On this, they would highlight the party at fault and if the policy would reprimand the damages incurred. If the other party is found guilty than his company will cover the repair cost of your vehicle, as well as any damage that might have been caused by you. If you have collision coverage, then any uninsured damage will be covered by your insurance company.

On the other hand, if you are found guilty, then your liability coverage policy will cover the damage done to the other person’s car or body. Whether you get insurance coverage on damage done to your car depends on the type of policy. Therefore, it is necessary that you are aware of the best policy and the rates. A simple way to do that is by typing in your ZIP code in the box given above to get all the information about NJ auto insurance.