When you are attempting to deal with insurance companies after a car accident, a little knowledge can go a long way.
By doing your research, you will gain the confidence needed to speak with your insurance company representative in an informed manner that will help you get the compensation you deserve.
You will want to contact your car insurance company as soon as you have organized all the details of your car accident. Making your first call to the insurance company from a prepared position will help your case immeasurably.
Act Quickly After Your Car Accident
Ideally, you will have taken photos of the accident scene. With cell phones being such a common facet of everyday life nowadays, you can benefit from the camera function that comes with most mobiles.
Take photos of the damage to your car and of the overall scene. Try different angles. Take many pictures.
If you capture all the details, you may find clues after the fact that you did not notice at the time of the accident. Car accidents can be physically and emotionally draining. If you are able to take photos, they will be able to speak more matter-of-factly to the situation at hand than you can.
It will also help your case if you are able to obtain the personal information of the other driver or drivers in the accident.
Information you should ask for includes their names, number, insurance company, policy number, and car description (make, model, year and other distinguishing characteristics).
Accident witnesses are another important factor in your case. Try to get the contact information for any witness who can substantiate your version of events.
Once you have compiled this information, you will be in a prime position to deal with your insurance company.
Calling Your Insurance Company After a Car Accident
Calling your car insurance company immediately after an accident not only gets things started quickly, but it allows you to deal with the car insurance representative while everything is fresh in your mind.
Additionally, it allows you to better deal with the time constraints put on filing claims with many insurers.
Some companies put a limit on how long they will deal with a claim from beginning to end.
A time limit of one year is a common example. The claim process can be lengthy, so you will want to call right away to maximize the time allotted.
You will be assigned a case adjuster who will be your liaison through the process.
Give the adjuster all the information you have compiled, including photos, driver details, and witness contact information.
You will also want to submit copies of all accident related paperwork such as repair quotes, repair bills, medical bills, medical diagnoses, and any documentation from work detailing time off and wages lost.
This documentation will combine to form a detailed picture of how the accident has affected your life.
How to get Your Insurance Money After a Car Accident
If you have studiously recorded all the above information, you will know what your case is worth.
Ask for compensation in that amount. Stand by this figure. If the adjuster tries to low-ball you, realize that this is a negotiation. You do not have to go with his or her initial offer.
Adjustors tend to begin with offers that are considerably less than the amount they have been told they can pay.
While telephone contact is important, you should also put your demands in writing. This is called the Demand Letter.
All you have to do is write down the details of the accident and attach copies of all relevant paperwork. Put your compensation demand in this letter.
This amount should be determined by adding up all the expenses incurred after the accident, as well as any estimates for future expenses. If you believe you are entitled to additional pain and suffering compensation, include your justification here as well.
Keep in Touch with Your Car Insurance Company Until Your Case Is Resolved
Give your adjustor a call with any questions or to check on how your case is going.
This accident had a profound effect on your life and finances, and keeping in touch with your insurance company will convey that importance to your adjuster.
If you have any fears about seeming like a bother, banish the thought from your mind. You are entitled to compensation for your accident in a fair, timely manner.
Dealing With a Respected Car Insurance Company Will Make the Process Easier
If you have a car insurance company with a proven record of customer service and satisfaction, you will be at an advantage from the beginning.
If you are looking for a new insurer, try the car insurance quotes tool offered on this page. This piece of Internet technology allows you to get quotes from multiple insurers by typing in your information one time.
When it comes time to deal with car insurance companies after a car accident, you want to make sure you are putting your financial future in good hands.