Imagine for a moment that you are driving down the road and you get hit by another car. In that moment, you aren’t entirely sure who’s fault it is that the accident occurred — and to be honest, it shouldn’t entirely matter. You and the other people involved in the wreck need to worry about your health and well-being.
But in the wake of that accident, you will have to handle a lot of logistical and legal processes. For example, you will have to deal with your car insurance provider and potentially the car insurance providers of other people. When you are dealing with these companies, there are some important steps that you need to take.
First of all, you need to get in touch with your insurance provider as soon as possible. Once you do, you should make sure you keep records of your conversations and interactions with your provider. This will help you combat any unfair or inaccurate claims made by your insurance provider. Use any evidence you can to show your insurance provider how and why the accident happened. Photos are tremendous in this regard.
Of course, there are also things you should avoid when dealing with your insurance provider, such as giving a statement to them when you don’t have to. Make sure you understand your coverage first before you make any official statements to them. Additionally, you shouldn’t immediately accept any offer they give you. You can negotiate and work with your insurance provider to get a better deal, and a lawyer could even help you out during this step of the process.
Source: FindLaw, “Car Insurance Claims: Dos and Don’ts,” Accessed Nov. 9, 2015