Meeting an accident is something that no one wishes to happen. However, then again, it happens when you least expect it. You are left with car accident insurance claims to take care of. If you got involved in a collision, it is inevitable that you will have to deal with your insurer and the insurance company of the other party in the accident. It can get really frustrating that some even hire a lawyer to sort things out for them. If you have no lawyer to back you up, it is best that you know the dos and don’ts when making car accident insurance claims.
Here are the things that you must do:
- The minute you get hold of a copy of your car accident insurance policy, read and understand it. This will save you precious time when an accident occurs because you have a clear idea of your limits and coverage.
- Contact your insurance company through your agent the soonest possible time after an accident or injury.
- Gather as much information about the accident as you can. Take pictures of damages on the vehicles and sustained injuries. Jot down names and contact numbers of witnesses to the accident. You might need their help in proving you claim later on.
- Make a note of insurance details of any third party involved.
- Keep a record of conversations and dealing with every person involved in the claims process like the agent and insurance officers.
- Save and organize receipts and invoices for any or all expenses related to your claims.
- Be honest about your claims to avoid being tagged as fraud.
- Stick to facts without admitting to any kind of liability and expressing only opinions. It is the insurance companies’ job to ascertain the facts and determine who is at fault.
- Avoid giving out anything in writing to any insurance officer if you have no understanding of your policy.
- File your car accident insurance claims within the specified period from the time of the accident. Some States allow up to a year, but it is always best to claim right away while facts are still fresh.
- Do an independent estimation with a private mechanic and do not just rely on the estimates of the insurance company. Most of the time, they quote lower than your actual losses.
- Refrain from signing any kind of release or waiver if you are not sure about it. Consult an attorney for help.
- Receive a check that corresponds to full and final payment only if you are certain you are fairly compensated.