What You Need To Know: Insurance Claims

A car accident iauto insurances never convenient or simple. Making an insurance claim should not be. However, to make that claim process as simple as possible, in a difficult time, you need to be prepared with the information that your insurance company requires to make that claim.

When it comes to claims in Calgary, Sherwood Park, Brooks, Bassano or Medicine Hat, TSG Insurance’s insurance brokers are here to serve you and if you need assistance with after-hours claims, we’re easy to reach at 1.888.224.5677.

The first thing you need to do in order to make a claim following an accident in Alberta is exchange contact and insurance information with all other parties involved. Collect as much information about the collision and if possible, take pictures. If someone refuses to provide their information, document the license plate number, vehicle description, and driver description before they leave the scene. Finance.Alberta.ca has a downloadable Collision Worksheet that will help you to remember the types of information you’ll need to record at the scene. Keep it in your glove compartment along with a spare pen.

Remember, it is advised that you:

  • Do not voluntarily assume liability, take responsibility, or sign statements about fault.
  • Do not pay, or promise to pay, for damages at the scene of the collision.
  • Do not agree to forget about the collision.
  • Do not accept money or discuss any settlement.

If your vehicle is not drivable – you must make arrangements for it to be removed from the road otherwise, a police officer may make those arrangements, and your vehicle will be deemed abandoned. If your vehicle is drivable – you can leave the collision scene.

Be aware that if the collision involved an unattended vehicle or other property, you must notify the owner of any damage you may have caused. If you damage or knock down any traffic safety device, railroad sign or signal, a traffic signal of any kind, a parking meter or any public property you must report the damage to the police immediately, even if the damages are less than $2,000 (as of January 1, 2011).

After reporting the collision to the police, advise your insurance company, regardless of which driver was at fault, as soon as possible. Police do not determine liability; this is determined in part by insurance companies Tell them the details of the collision, including any injuries and damages to vehicles or properties. Late claims or if you are found withholding details can increase the difficulty of processing a claim. If your claim is valid, your insurance company must settle it within the time limits stated in your policy.

Auto Insurance Alberta

Thomson Schindle Green (TSG) Insurance Company invites you to request a quick, free quote for home, auto or motorcycle insurance at 1-800-830-9423 today for more information in Bassano, Brooks, Calgary, Edmonton, and Medicine Hat to get started on your affordable, personalized insurance policy. And again, for TSG Insurance after Hours Claims: 1.888.224.5677.

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