Car Accident

My car has a cheap car insurance. In the parking lot of a big mall waiting for me as I did my shopping, I came out  to find it heavily damaged with the  front fender dangling on one side.  It was clearly a hit-and-run case.

I am very lucky to have read the provisions of my policy and know the procedures of filing a valid car accident claim.  So, calling my insurance carrier, I told them where I was, where the accident took place, requested to take note of the time and how my car looked.  I also informed the operator of the mall who called for the local authorities.  While waiting for the officers to arrive, I took pictures of my car with my mobile phone which is a requirement for filing a claim.  Of course, the mall has security cameras installed but I didn’t take chances.  With the pictures I took showing the extent of damage to my car, the police report and my grocery receipt which had the date and time in it, I went to my insurance carrier and filed my claim.  Having a good coverage makes filing a claim uncomplicated and I got paid for repairs to a repair shop of my choice.  Of course my coverages didn’t come cheap but in the long run it was cheap car insurance.

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