thanks god u are o.k. my "koo-9" got a car accident 2 weeks ago - she failed to stop on red light.
police came and gave her the ticket.
procedure -
1. call the insurance company to file the case, for her - she provide the ticket number for reference
2. send her car to the garage for repair, and notify the insurance company who will send the adjuster to review and see what sort of repairs are under coverage.
3. now wait for the garage to send back the quote, paid the deductible, as the insruance adjustor already notify the garage how to submit the claim for.
4. that's it so far.
my 66 said, unless the accident is minor, and both party did not want to gone thru the insurance, then the other party will call you to give you to quote for the repair, then you decide if let them to file thru' insurance, or you settle by cash..
in most case, if you have the right, and the accident was the other party's fault, u just do everything thru' the insurance...
if you are closed to the your insurance agent, you could call up in a month time, to check out how much the other party claim on your insurance, they should be able to tell you...otherwise, everything will be done and all you need jsut to wait for the call from the garage to pick up the car
tsang04 - just another update to you. the adjuster called last night to confirm if there is any ambulance, fire truck arrived on the scene, to complete the statement.
he said the plantiff had submitted a medical claim form, so the insurance company need to know more details about the accident in order to review the claim.
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