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What You Need to Know About Car Accident Claims

If you are recently involved in an auto accident, it is important to seek the help of a personal injury lawyer and file an insurance claim, so you need to be aware of the claims process. You need to report the incident to your insurance agent or broker, and file an insurance claim with your insurance company as soon as possible after the car accident, most especially if it resulted to serious physical injuries and property damage regardless of who is at fault. Ideally, car accidents must be reported within seven days to the insurance company because failure to follow the proper notification may deny the claim, as there are also statute of limitations that may apply when it comes filing a claim.

When you call your insurance agent or insurance company, be prepared to supply basic information and as much information as possible such as the name insurance policy number, the details of the vehicle (model, make, registration, and license plate number), and details of the accident (time, date, location, the other driver’s name and license numbers, extent of injuries, number of passengers involved, extent of vehicle damage, identification numbers and license plates of other vehicles involved, and description of the accident). A car accident attorney can help you in understanding the coverage of your insurance policy along with your insurance agent. Once the car accident claim has been reported, you’ll be contacted by your insurance company’s claim adjuster via telephone or meet you in person so you can complete the Proof of Loss form, a sworn statement to support your claim. While the claim’s adjuster can assist you on the entire claims process and explain to your the coverage of your insurance policy, having a car accident lawyer by your side gives you an assurance that you receive the right compensation for your damages. Insurance companies tend to underestimate your damages, so better hire a car accident lawyer to best negotiate for a higher claim.

In any car accident, insurance companies always want to determine who is at fault whether fully or partially. Based on the Fault Determination Rules, your insurance company will make an investigation to determine who is at fault through the details, circumstances, and evidence presented. If you feel that the insurance company’s procedures are unfair and the settlement is not favorable to you, contacting a personal injury lawyer or car accident lawyer can help you out. Get an initial free legal consultation about your personal injury claim by visiting our website or homepage now. Allow an experienced and expert lawyer to help you in understanding your rights and to protect your interests.

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