4 Tips to File a Claim with Your Insurer After a Car Accident
No one wants to get into an automobile accident when they get behind the wheel. It’s a frightening experience, one that can leave you at best shaken and at worst severely injured. And while it might be tempting to deal with the other driver and the insurance company on your own, doing so only invites hassles and headaches.It can also mean that you lose out on the compensation that you deserve. If you want your insurance to cover your damages after a car accident, you have to cooperate with them…and not reveal too much. Here are 4 tip for filing insurance claims.
1. Write It All Down
It’s a good idea to write down what you remember about the crash. How exactly did it happen? Where were you driving? Was there a bend in the road? Were you on a freeway? Did you check your rearview mirror? These might all seem like little details but they are important. They will help your lawyer to figure out whether you were at fault or whether it was just a freak accident. And this can help them to prepare their argument in your favor.
Writing down what you remember is important because sometimes you remember things in the process of writing. And it’s best to write while it’s all fresh in your mind because it’s possible that you’ll forget the details as time passes.If you have some type of amnesia after the accident, its OK. Just write down what you do remember and your lawyer should be able to work with that.
In addition to writing everything down and sharing it with your lawyer, you should also keep track of all your medical bills. And if you had to spend money on other things due he accident, you should keep those records as well.Keep the bills from doctors, physiotherapists, pharmacies, nutritionists and anyone else you might have had to go to as a result of the accident. If your salary has decreased since the accident, show your lawyer your salary check from before and after the accident.
The more accurate your paper trail, the more ammunition your lawyer is going to have to show the insurance company.
3. Get an Evaluation
Even if you feel as though no injury was sustained, it is imperative you get checked by emergency medical staff at the scene of the crash. Not all injuries are immediately obvious, so if medical personnel tell you to get a more thorough examination do not argue with them.If you do need to go to the hospital, make sure you keep copies of your release information.
4. Take Pictures
If possible, take pictures of the damage done to both vehicles as well as clear images of what the scene looks like. This can be helpful later in determining who is at fault in the accident, as well as give you something to build a case on if necessary.
Filing Insurance Claims
While you might be entitled to compensation for medical bills, lost wages and more, this does not mean that the insurance company wants to make these payments.Most companies have an eye on their bottom line and will offer you less money than you deserve. Chances are that you do not have experience negotiating with insurance companies, but an automobile accident attorney does.
Contact us today to get started on your insurance claims.