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Accident Insurance Claims

Motor vehicle accidents can happen to anyone, at any time. When a car, truck, or motorcycle accident happens you will inevitably need to deal with your insurance company. You may also need to deal with the insurance companies of other people involved in the accident.

When you buy insurance, take the time to review and understand the policy. If you do become involved in an accident, remember to contact your insurance company as quickly as possible after the accident. Of course, if you have serious injuries you will need to take care of them before contacting your insurance company. Before calling the insurance company, get as many details as you can. If possible take pictures of the vehicle damage and injuries, and get the contact information of witnesses. Take note of the insurance details of the other people who were involved in the accident.

When you contact the insurance company, keep a written record of who you speak to and write down a factual account of each conversation. Remember to save any receipts or bills for expenses and repairs. And, of course, when dealing with the insurance agent, be perfectly honest, otherwise your claim may be denied on the basis of fraud.

When speaking to the insurance investigator, be completely factual, don’t embellish and don’t leave out details that may be relevant. If you think that you may not understand some detail of your insurance policy, do not give anything in writing to any insurance officer.

Every insurance policy indicates the time limits within which you are required to file a claim. Pay attention to these limits or your claim may not be valid. When you receive an estimation of the damage or loss from your insurance company, nothing stops you from doing some investigation of your own.

In general, do not sign any document that you do not understand. A document that is a release or waiver may result in you giving up your rights in an accident claim. If a document comes along that you have been asked to sign, but don’t understand, consult a lawyer.

And finally, when you receive a check, accept it only if you are convinced that it is a full and fair compensation for your losses.