Inside the insurance claim process, and guidance on getting the most out of it.
Each year, 1,000’s of individuals are involved in car accidents. Whether the accident involves considerable property damages and injury, or is a somewhat minor fender bender, it is going to most likely require starting a claim for damages with your insurance company –, or the other individual’s.
Whereas not every accident is going to be the same, there are general steps that anyone involved in an accident should take to guarantee that they are suitably reimbursed for their losses. This post offers a summary of how a car accident case starts.
At the Scene of the Accident
Above all, check on the safety and welfare of your passengers and the other parties involved. Call the paramedics should anyone appear to be injured. A lot of the time injuries can happen even from superficially minor accidents. It is clearly vital for health concerns, but also for the ensuing achievement of any damages claim, that accident victims seek immediate medical attention.
Nevertheless of perceived injury, call the police and request that an office come to the scene. This is important even when the accident seems to be insignificant. Having a police report written up at the time of the accident is significantly important in determining which driver is legally at fault.
Also, acquire the name, address, driver’s license number, plate number, and insurance details from the other drivers that are involved. The names and contact information of any witnesses needs to be also collected.
When possible, take pictures of the scene of the accident, including all vehicles involved, of traffic light locations, and any clearly seen tire marks, debris, or other evidence. You might also want to note the weather and conditions of the road when the accident happened.
Lastly, avoid making any statements to the other drivers that could be used against you later.
Seeking Medical Care
Getting medical treatment in a timely matter for any type of injury is important. Give notice to the treating physician that you have been in a car accident. Follow through on any prescribed treatments.
If your symptoms persist, do not hesitate to get another opinion. It may also be beneficial for your case to keep a journal detailing any pains or symptoms, any treatments, and all medication taken.
The success of any claim you might have for monetary damages as the result of bodily injury is going to heavily depend on having a comprehensive medical record that details your injuries, their association to the accident, and their effect on your life.
Dealing with Insurers
As soon as you can, get a hold of your auto insurance company and report that an accident has happened. They are going to provide a claim number and a claims adjuster to manage all details of your claim.
The insurer is going to ask you to provide as many details about the accident as possible and might ask to take a recorded statement of your recollection of events.
When your claim involves property damage to your car, your insurance company might send out an adjuster to assess the degree of damage and to determine if the car is repairable. Subject to your cars policy, you might be able to have a rental provided for you. Even if you were not the person at fault, your insurance company is going to usually provide the rental car to you and seek compensation from the at-fault individual at a later date.
You are going to also want to report the accident to the other individual’s insurance company. Be wary when speaking to the other driver’s insurance company. Don’t forget, their company is representing the interests of them and possibly not be placing your best interests first.
It is usually a good idea to avoid giving a recorded statement. The insurance company might request you to sign authorizations enabling it to access your employment and medical records. You have a right to refuse. Inform the insurance company that you are going to provide all related medical details when you have finished the treatment of any injuries. When your car is un-drivable and you have not acquired a rental from your insurance company, request that a rental be provided for you.
Think About Hiring a Car Accident Lawyer
Dealing with an insurance company can be challenging in any situation. Following a car accident, it can be even more intimidating to face the difficulty of providing all the necessary details to the insurer and to be involved in claim settlement negotiations. A knowledgeable personal injury attorney can take some of the burden by engaging in investigations, collecting the required documentation, and creating clear and comprehensive demands for the settlement of your claim.
Nolo. (2022, February 23). Personal Injury Insurance claims after a car accident. www.alllaw.com. Retrieved May 6, 2022, from https://www.alllaw.com/articles/nolo/auto-accident/file-personal-injury-insurance-claim-car-accident.html
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