Imagine that another driver rear-ended you on your way from work. First responders arrived and you received medical attention. The police showed up and took statements from witnesses and the other driver. Now, you are back home, your car is in the shop and you are realizing that you do not really like wearing a neck brace. It is time to call the insurance company and report the accident.
Contacting your insurance company seems like it should be the easiest part of the entire process. Do not allow yourself to become complacent. Keep in mind that there are definitely some “do’s and don’ts” when it comes to the claims process. An attorney in the Mansfield area can help you avoid the pitfalls of incorrectly filing an injury claim.
The right way
As soon as physically possible, you should call your insurance provider and report the accident. However, before you do, take the time to go over the details of your coverage. You will want to know what is covered and what is excluded in your policy. While speaking with your agent, take down detailed notes. This includes not only the details of the conversation, but also the names and phone numbers of each representative you speak with.
If possible, take pictures of anything that relates to the accident. This includes the scene, your injuries and the damage to your car. Be honest with your insurer about what happened. If you did anything that might have contributed to the accident, disclose this to your insurer. If you withhold information and your insurance discovers it later, the provider might deny your claim and possibly even cancel your policy.
Be sure to keep all the receipts for medical expenses and car repairs. Keep any records of expenses that you incurred as a result of the accident. It is important to have evidence when trying to settle a claim.
The wrong way
Do not make any statements to your insurance provider until you have a complete understanding of your policy. If you think that your insurer might deny your claim, speak with an attorney in the Mansfield area.
Do not accept the first damage estimate the insurer provides. Seek a second opinion from a repair company you trust. Insurers tend to offer repair estimates that are very low. Also, do not sign anything that forces you to give up your right to legal counsel. Do not be tempted to take fast settlement. Things may arise in the future that the insurance company could deny if you take an early settlement amount.
If you have been involved in car accident, keep in mind that there is a right way and a wrong way to deal with the insurance company. Reach out for legal guidance today and get the help you need to get the compensation you deserve.