Insurance

The Importance Of Knowing What To Do

After being involved in a motor vehicle accident, it is important to follow the following steps to ensure your legal rights are fully protected. Most auto accidents claims are typically handled through insurance companies. It is wise to keep and open line of communication with your insurance carrier directly after an accident. This will assist you to receive the maximum amount of compensation. The following are a few tips that can help you deal with your insurance company after your accident:

  • Notify police – File a detailed police report immediately after an accident.
  • If you are injured – seek medication attention immediately – go to your nearest emergency room or contact your family physician.
  • Collect evidence – Take photos of the your damaged vehicle, the accident scene, and your injuries.
  • Review your insurance policy – Review and understand your insurance coverage.
  • Contact your insurance agent – Call your insurance agent immediately after an accident.
  • Take notes – Write down detailed information of every conversation you have with insurance company and agent. Document names, job titles, and telephone numbers, date and time of conversation, of whomever you speak with.
  • Provide Honest Information – Give your insurance agent all the facts. Lack of honesty may invalidate your claim and deny coverage.
  • Do Not accept phone solicitations- This is insurance fraud, a felony punishable by imprisonment.
  • Seek legal advice – Don’t sign any releases, waivers, or accept final payment checks until you’ve spoken to a qualified attorney who will ensure your legal rights are protected.

While insurance claims are meant to be a simple process, you may be dealing with an unreasonable agent.  Don’t forget that you signed a contract with your insurer and they have the legal obligation to provide the coverage that was promised. If you believe your claim was not fairly adjusted, it is important to seek the assistance of an experienced personal injury attorney.