For many involved in a car accident, this is their first experience dealing with such an incident. There may be injuries to the driver or loved ones and severe property damage. It may seem, as an injured person, that you don’t know where to turn. There are certain things that need attending to immediately and other items that can wait.
Once the injuries that you and your loved one have suffered are under control, it is time to think about starting the paperwork to file an insurance claim. After a car accident, your insurance company will ask many questions about the accident. In situations where you or a loved one believe that a negligent driver is partially or completely responsible, it is important to answer these questions accurately. Here are a few ways to complete the process in a way that is beneficial for you and loved ones.
Understanding how your coverage will affect the means of recovery from an accident is key. If you aren’t sure how your policy will cover you after a car accident, it is good to brush up on how it may affect you before talking with your insurance company. When you do sit down and talk with them, take detailed notes of who and what you talked about. Insurance claims often take an undetermined amount of time from start to finish. Because of this, keep track of receipts and costs associated with pursuing your insurance claim, as the insurance company or even the negligent party could be held accountable for these expenses.
There is no magic number that will tell how long the insurance claim process will take or how much money it could potentially recover for you and your family. However, there are ways to ensure that the process is as quick as possible. Try to be patient and understand that there are options if you do not like the number the insurance company comes back with.
Source: FindLaw, “Car Insurance Claims: Dos and Don’ts,” Accessed September 5, 2016