If you have been involved in a car accident, one of the first things on your mind will be filing an insurance claim. Here are some “dos” and “don’ts” you need to remember to help you successfully 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.
- Provide any written or recorded statements to your insurer without fully understanding the terms of your policy;
- Sign any releases or waivers until you have obtained the advice of an attorney;
- Automatically accept the insurer’s estimate or appraisal of your losses, especially if you suspect they are low;
- Disregard 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;
- Accept a payment marked “Final” unless you agree completely with the settlement.
If you or a loved one has suffered an injury, the experienced personal injury legal team at Roberts & Roberts is here to help with compassionate, aggressive representation. Please call 800-248-6000 or contact us for a free consultation.