Not At Fault Auto Accidents
Automobile losses in this category occur when someone else is at fault. The following steps should be followed.
1. Call the insurance carrier of the other party to see if the claim has been reported and to verify coverage.
2. If the insurance carrier cannot be reached, contact the other party to see if the claim has been reported and to determine the name of the insurance company.
3. If the vehicle is driveable, obtain a written, detailed estimate from a body shop or dealership.
4. If the vehicle is not driveable, have your vehicle towed to a repair shop of your choice. Instruct the shop to do a written, detailed estimate but do not begin the repairs until the other party’s insurance company has viewed your vehicle. If you go ahead with the repairs without the other party’s insurance company viewing the damage, this could jeopardize the settlement of your claim with that company.
5. Obtain a copy of the police report.
6. The other party’s insurance company should provide a rental car if your vehicle is not driveable. The standard reimbursement will normally not exceed $25.00 per day. The vehicle should be provided for the length of time it takes to repair your vehicle.
7. If an employee is injured while operating the vehicle on company business, a Workers Compensation claim must be filed. Please refer to that section of the procedures manual to proceed with filing a Workers Compensation claim.
8. If it is determined that the other party is uninsured or underinsured, contact Fridrich, Pinson & Associates for instructions on how to proceed. Most likely an uninsured auto claim will have to be report to your insurance company.
Automobile Liability and Physical Damage Claims Reporting Procedures
Automobile Physical Damage claims include, but may not be limited to, Collision, Fire, Glass Breakage, Vandalism, and Other Perils. The following steps should be taken when this type of loss occurs.
1. Always call the police. Do not assume if the accident happened on private property the Police Department will not respond. Obtain the investigating officer’s name and the incident report number. The insurance company will need this important information to order a copy of the Police Report.
2. Secure first aid for any injured party(ies).
3. Do not admit fault or offer any payment.
4. Secure the name, phone number, and address of all other parties involved in the accident, including the names and phone numbers of witnesses. USE YOUR SMART PHONE TO TAKE PHOTOS OF ALL VEHICLES INVOLVED AND ANY DAMAGE
5. If a serious injury or death occurs, the accident information should be reported to Fridrich,Pinson & Associates within 24 hours. The report can be called or fax into the office. Please
refer to the website for those numbers. Once reported you will be instructed on how to proceed.
6. If the vehicle you are operating is a rental vehicle, complete the Accident Report information required by the rental car dealer. Keep a copy of the report to send to FPA. You should routinely inspect a rental vehicle, when it is being returned, for any damage to the vehicle.
7. Do not discuss the facts of the accident with anyone other than an identified representative of the insurance company or a representative of your company.
8. If you are served a Summons or Complaint (suit papers), you must notify FPA immediately. These are legal documents that require a timely response. Failure to do so may result in a default judgment against your company.
9. Failure to report the claim may void your coverage for that claim.