Accidents on the road involving cars are inevitable. Since auto accidents entail sizeable damages to the vehicle and injuries to the victims, they attract legal repercussions.
Settling an auto insurance claim with the insurer is an unavoidable residuum of being involved in a car accident. You must painstakingly deal with your insurance company and simultaneously with the other party’s insurer.
Settling an auto insurance claim is a mind-boggling experience, as you need immense courage to stand up against the skilled adjusters, who intimidate and persuade you to settle for the lowest possible amount. Further, you must not be discouraged from seeking the services of an attorney who can get you a fair deal.
Because filing an auto insurance claim and negotiating the price with adjusters is highly bothersome, therefore here are a few guidelines to effectively deal with nasty disputes.
- Contact your insurer immediately.
- Review the contents of your auto insurance policy. Verify the situations covered under your insurance policy.
- Identify the complete degree of your damages and injuries. Usually the damages include present, future and past repair and replacement expenses to the vehicle, and treating injuries under medical supervision.
- Save every bill and receipt of every expense related to the accident, as it would be required at the time of auto insurance claim. Also collect important evidences and witnesses to support your claim.
- Note down the names and contact numbers of other people involved in the accident.
- Maintain a written record of every negotiation made with the insurance officers, claim adjusters, and other relevant individuals. It would support you through thick and thin of fighting a claim dispute.
- Honesty is the best policy! Maintain honest grounds to avoid denial of your claim.
- Never sign any legal document before your attorney has reviewed it.
- Adhere to the time guideline of filing the insurance claim, expiration of the time period will cause you complications and denial.
- Never engage in any form of conversation with the claim adjuster of the opposite party’s insurance company. Arguing or agreeing to their offer will go against you. Also, do not make any oral statements with them for the same reason.
- Get assistance from your auto crash attorney in evaluating an estimated on damages and losses.
- Never accept any check claiming to be a final payment. Ensure you are entitled for maximum compensation.
- Having an attorney to help you file claims along with appropriate consultation is always helpful.
