After you’ve been in a car accident, the first thing you should do is attend to any injuries you may have suffered as the result of the accident. After that, you will need to concern yourself with the process of filing a claim with your insurance company. Here are some tips on how to navigate the insurance claim process:
- Call your agent and your attorney immediately following a car accident;
- Know the details of your auto insurance policy – pay special attention to the sections that discuss coverages and exclusions;
- Take notes of all the conversations you have with insurance company personnel, including the date and time of the call, names of who you talked to and phone numbers;
- Take photos of the accident scene, the damage to all vehicles and any injuries;
- Keep all receipts for any purchases you’ve made in connection with pursuing your claim or recovering from any injuries;
- See if you have additional coverage under your homeowners or other umbrella insurance coverage as well as coverage through credit cards;
- Before you give any written or recorded statements to your insurer, be sure you fully understanding the terms of your policy;
- Don’t sign any releases or waivers until you have obtained the advice of an attorney;
- Remember that you do not have to accept the insurer’s estimate or appraisal of your losses, especially if you suspect they are low;
- Check the time limits on your policy for a claim, especially if that claim has not been settled to your satisfaction. Most policies restrict the time period in which you can sue for a loss – usually within one year;
- Never accept a final payment unless you agree completely with the settlement.
The attorneys of Roberts & Roberts have the skill, experience and resources to fully investigate any serious accident or death. If you have a question about an accident involving a serious injury or fatality, please call 800-248-6000 or contact us for a free consultation.