A similar type of accident in the United States could end up costing you hundreds of thousands of dollars in damages and injuries. Just like in Australia, insurance road accident compensation may be awarded to victims of car accidents. Get in touch with professionals at Tow Truck Perth to get a free estimate.
Car owners are entitled to compensation when their car is involved in an accident. A driver can file a claim by contacting the Perth Road Accident Claims Centre.
It is important to understand the process by which insurance road accident compensation is settled. The process starts with a visit to the accident site by an Insurance Protection Fund representative. The representative will gather information about the incident including details on the car that was involved.
Once this data is gathered, it is passed on to a data bank. A decision is made on the claim based on the evidence collected from the scene of the accident. If the information collected by the representative is sufficient, the insured is given a verdict or compensation.
Should there be questions on the evidence gathered, the claims center may be contacted. In some cases, both parties may want to have a third party assess the evidence gathered from the scene of the accident. In these cases, a third-party assessment is recommended.
In order to determine whether or not an accident is covered by insurance, a complete assessment must be conducted. This assessment consists of details such as; the speed of the driver, the vehicle identification number, location of the accident, any other vehicles that were present at the time of the accident, whether drugs or alcohol were a factor in the incident, and the severity of the injury suffered by the victim. If a vehicle in an accident is covered by insurance, the insurance company will generally provide financial compensation.
Coverage is broken down into several categories. Basic coverage includes medical expenses, property damage, and bodily injury. Collision insurance covers damage to the property and collision is not considered a bodily injury.
Injury coverage protects an injured person who was involved in an accident. Accident cover is available as a standalone policy or in conjunction with comprehensive coverage. Personal injury cover includes medical and legal expenses when a person was injured.
Pain and suffering coverage pays for the pain and suffering of an injured person who was involved in an accident. If your vehicle was damaged in an accident, the injury caused by the accident may qualify you for this coverage.
Roadside assistance is available for certain drivers in some states. This coverage is available if the owner of a vehicle is found in an accident. If a person was injured in an accident, this may qualify the driver for this coverage.
In some states, coverage for property damage and personal injury is not provided by the insurance company. This can be found in the terms of service of policy. Coverage is available for these states if you wish to purchase a policy.
Perth residents should feel free to contact the Claims Centre if they need to make a claim after an accident. The claims centre will only charge the car owner for expenses incurred. Most claims are processed within three working days of filing.