BY- P.

TUSHAR
 Auto policy--A policy is a contract between two
parties, the purchaser of that policy and the
insurance company providing coverage for a
specified premium.
 Terms, conditions and exclusions of the policy, this is
also known as the insuring agreement.
 Declarations page This page shows what vehicles
are covered, the drivers that are covered, the limit
of the policy, and insured's portion of responsibility.
Also listed on the declaration page are specific forms
and endorsements, called add-ons that are included
in the policy. Knowing this will enable the
policyholder to be aware of what is covered and
what is not in the policy.
  
 Premium - the amount charged by the insurance company
from the insured for coverage against specific losses.
 Insured - this is the first party or direct customer of the
contract, this usually the policyholder.
 Covered Persons - drivers that are covered under the
policy. Usually this includes all family members or any
person driving your vehicle, unless a person is specifically
excluded.
 Damages - these are what will be specifically paid out if a
loss occurs. Generally, this covers property and liability
losses, which include bodily injury. The policy can also pay
for specific, verifiable expenses that the other party incurs,
and general losses, other party's pain and suffering
compensation. These two losses are covered under the
liability portion of the policy and are subject to the limits of
liability for the policy. Punitive damages are usually
excluded under most policies unless required by law.
 Claimant - is known as the third-party to any claim
against an insured. They do not have a direct
contract with the insurance company but they have
implied coverage when the insured is deemed
responsible for the loss.
 Claim - declaration of damages incurred for a loss by
either the insured or claimant.
 Claim Process - the handling of a loss by the
representative of the insurance company.
1) IMMEDIATELY MAKE SPECIAL NOTE OF: Names and
addresses of eye witnesses. And later the
investigating police officers name and badge
number.
2) WEATHER CONDITIONS: Snow, rain, fog, mist, sleet,
etc
3) ROAD SURFACE: Dry, wet, slippery, icy, etc
4) IMPACT AREA: City, suburban, business, wooded, etc
5) VISIBILITY: Sunny, cloudy, dusk, night, moonlight,
etc. (Was the sun in the other driver’s face)?
6) TRAFFIC CONTROLS: Were there overhead lights?
Posted speed limit signs? Stop or warning signs?
Hospital or school zone signs?
7) CREATE A DIAGRAM: Driving area: Flat, crowned,
straight, curved, macadam, asphalt, concrete,
cobblestone, dirt, etc.
8) CONDITION OF THE VEHICLE THAT STRUCK YOU: Age
and general overall condition. Is their state inspection
sticker displayed and up to date? Were chains or snow
tires needed?
9) AS SOON AS POSSIBLE RETURN TO THE SCENE AND
SNAP PHOTOGRAPHS
10) PHOTOS OF YOUR BODILY INJURIES

11) There Are Six Areas Must Be Familiar With-

I) OUT-OF-POCKET EXPENSES:
MEDICAL EXPENSES
NON-MEDICAL DAMAGE
EXPENSES
II) LOST TIME FROM WORK - - LOST WAGES - -
YOUR "LOSS EARNING CAPACITY"
III) PROPERTY DAMAGE LOSSES
IV) WHAT YOUR MEDICAL DOCTOR AND/OR
CHIROPRACTOR REPORT SHOULD
STATE:
V) MEDICAL PAYMENTS COVERAGE:
VI) WHAT TO DO IF THE ADJUSTER
REFUSES TO COOPERATE
THANK YOU