In the immediate aftermath of a car accident, it’s natural to have a lot running through your mind. This is particularly true if you’ve suffered an injury and require medical attention.
As time allows — typically after your health has stabilized — contact your car insurance company to file a claim. This sounds simple enough, but don’t forget that your agent isn’t necessarily on your side. They’re going to do what’s best for the company, not you.
Here are some insurance claim tips that can put you in a better position:
- Stick to the facts: You don’t have to elaborate when speaking with your agent. Stick to the facts, provide honest answers to each question and speak up if you don’t understand something or don’t want to provide an answer.
- Review your policy: It’s critical to understand the details of your policy, such as what’s covered and any exclusions that could present a challenge.
- Take notes: Any time you have a conversation with your agent or another insurance company representative, write down their name, contact information, date, time and what was discussed.
- Collect evidence: This can include the police report, photos of the accident scene and photos of your injuries.
- Keep receipts and medical bills: Both receipts and medical bills will help you recover compensation for expenses related to the accident.
- Don’t give in: Your insurance company may attempt to “low-ball” you early in the process. They want you to accept less compensation than what’s outlined in your policy. You pay for coverage every month, so you should never feel compelled to give in. You have the legal right to fight for everything your policy guarantees.
If you’re dealing with medical concerns after a car accident, it’s not always easy to focus 100 percent of your attention on filing an insurance claim and chasing down all the compensation you deserve. Don’t hesitate to enlist the help of a family member or friend, as they can assist you with certain aspects of the process.
By staying organized and understanding your policy, you’re in position to protect your legal rights after a motor vehicle accident.
Visit our website for more information on personal injury accidents and the potential impact on your life and finances.