To help you deal with your insurance company following an accident or injury or death it is important to follow specific steps. These steps will help to fully protect your legal rights and interests. Auto accident claims are typically handled through insurance companies who say that filing a claim is meant to be a simple process. However, it is not uncommon to find you are dealing with an unreasonable agent who refuses to fairly settle your claim. When dealing with your insurance company after an injury or if you have been involved in an accident it is important to remember the following steps.
- Notify police - File a detailed police report immediately after an accident
- Gather evidence - If possible, take photos of the your damaged vehicle, the accident scene, and your injuries.
- Know your insurance policy - Completely review and understand your insurance coverage policy.
- Contact your insurance agent - Call your insurance company representative immediately after an accident or injury occurs.
- Take notes – Write down detailed information of every conversation you have with insurance company representatives. Jot down names, job titles, and telephone numbers of whomever you speak with.
- Be honest – Tell your insurance agent all the facts. If you aren’t honest, it may invalidate your claim and cause your coverage to be denied.
- Don’t accept the first estimate – The initial appraisal of your losses will most likely be on the low end. Never accept the first offer.
- File a claim - To prevent the statue of limitations from expiring it is very important to file your claim as soon as possible (especially if you are injured).
- Get 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.
Don’t forget that you signed a contract with your insurer. They have a legal obligation to provide the coverage promised. You have paid premiums to have this protection. If you believe your claim was not fairly adjusted, it is important to seek the immediate assistance of an experienced attorney who can help you bring legal action against your insurance company.