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Draw non-informative schematics
According to Raimondas Bieliauskas, head of the Vehicle Claims Administration Division of the Ergo insurance company, the main error in filling in accident declarations is the incorrectly drawn up traffic accident scheme.
“A common case is two squares drawn in the diagram, which represent two vehicles, but there are no traffic signs, direction of movement or other circumstances. Of course, drivers are constantly reminded that the outline of an accident does not have to be a very realistic drawing of the situation: the examination of the statement is determined by non-artistic abilities. The most important thing here is informativeness: directions and positions of the movement of the car, traffic signs, crossings and other circumstances ”, emphasizes R. Bieliauskas.
The representative of the Insurer points out that drivers involved in a traffic accident must also indicate the exact address of the accident in their statements. According to the interlocutor, the document must indicate the house number, the street, the intersection where the streets intersect. It is not enough to just indicate the name of the street, as it does not provide clear information about the regulations in force at the scene of the accident.
If errors are drawn in the diagram drawing, the corrections must be approved by both participants in the event. “In this case, it is very convenient to complete the electronic declarations: they do not allow sending an incorrectly filled document, they provide the opportunity to add photos and indicate the location of the accident using GPS data”, adds R. Bieliauskas.
Indicates inaccurate circumstances
Another common mistake when completing accident statements is the incorrect naming of circumstances.
“The declaration form contains circumstance points. Usually they are completed by drivers, but these entries often lack clarity. Clarity is very necessary when a traffic accident occurs in a complex situation, such as a shopping mall. So it is important to note which driver was moving, which one was stopped, perhaps one of them was moving backwards, the other did not show warning signs and the like ”, says the representative of the insurance company.
At the same time, R. Bieliauskas points out that, in addition to correctly naming the circumstances, it is important to provide the insurance company with the necessary personal information: names and surnames of the participants in the accident, dates of birth, contacts, driver’s licenses and car registration numbers.
Incorrectly signed
The representative of the insurance company also points out another detail that is often forgotten, the signatures, which must be placed by both the drivers and the culprit, to sign a second time, confirming that he caused the traffic accident.
“Unsigned documents are another obstacle to a smooth administrative process. The accident declaration is confirmed by two signatures: one for the facts of the accident and the other for the facts of fault. It is true that if the perpetrator forgets the second signature, the situation can be clarified according to the specified circumstances, but in this case the damage management process takes time, sometimes the drivers do not sign because they do not agree. Then the insurance company is forced to take additional measures, “he says R. Bieliauskas.
No copies
Asked whether both participants in the accident should have a copy of the statements, R. Bieliauskas ensures that the documents must be completed and signed as many copies as there are participants in the accident.
“It just came to our attention then. After the accident, all participants in the event must receive a copy, otherwise they will not be able to contact the insurance company without a document. We note that drivers do not fill out statements because there are no claims and then they claim damages. However, in this case, we do not have a document proving the traffic accident, “says the insurance expert about the need for copies of the statements.
Do not apply on time
To expedite the damage management process as soon as possible, event participants should contact the insurance company in a timely manner. R. Bieliauskas adds: within the period provided by law, the author of the accident must report the traffic accident and the victim must request compensation.
“A person who caused an accident but did not report the latter runs the risk of receiving a recourse claim if this delay affects the management of the damage. The culprit is not reimbursed, but must inform their insurance company of the incident. However, this is often not done, you should look for these drivers. By the way, today it is also possible to report damages and receive a payment quickly in a much simpler way, using the Ergo Smart service, which allows the insurer to provide data using a smartphone ”, says R. Bieliauskas.
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