Car Accident Claims: Do's and Don'ts
Car Accident Claims
After you have been involved in a car accident, one of the things that you need to do is to deal with insurance companies. Dealing with an insurance company can be hard, but it may be inevitable.
You may have to deal with your insurance company, as well as the insurance representatives of those who have also been involved in the incident.
Tips in Filing Car Accident Claims
Filing car accident insurance claims and dealing with insurance adjusters may be difficult and somewhat complex. This article is intended to give you some tips on what to do and what not to do. This will help you when it comes to insurance claims. These tips are:
- Call your insurance company after the accident as soon as possible. Your insurance agent should be the person you should immediately contact after an accident, except when you have sustained injuries in which you need to get medical attention first.
- Read and comprehend your insurance policy to know the coverage of your policy so that you can make the necessary claims.
- Get all the details you can about the accident, such as the names and contact numbers of those who were also involved in the accident. You should also include the names of the witness/es, if any. Witnesses might be able to assist you in proving your claim.
- Take pictures of evidences, such as your injuries and other damages, including your damaged vehicle.
- Write down the insurance details of those people who were involved in the car accident.
- Keep a written report of all the transactions, as well as the conversations with insurance agents, officers, and other individuals who are involved in the claims process.
- Save any bills and receipts for all the expenses that are related to your car accident insurance claim. These may include bills for any repair work that has been done on your damaged car, as well as medical expenses for any treatment for your injuries that you have sustained due to the accident which are covered by your insurance policy.
- Do not admit that you are liable for the car accident, simply state the facts. It is the insurance investigators' responsibility to gather all the necessary evidences and facts to determine who is liable.
- Be honest. An insurance claim may be denied for fraudulent reasons, so it is crucial to state the facts, especially to insurance investigators.
- Check if you have two or more insurance policies that cover for a particular injury or accident. If you do have, review all these and you might be able to file valid car accident insurance claims.
- File your claim immediately. All insurance companies have certain requirements about the period of time in which you may file your insurance claim. Your claim might be considered as invalid if you filed it when the time limit has already run out.
- Do not hand over to insurance officers or investigators anything that is in writing if you do not totally understand your car accident insurance policy or claim.
After following these tips, it is still best if you get legal advice from a lawyer who is experienced in handling car accident claims. He/She may be able to help you achieve the compensation that you deserve.