No one plans to be involved in a motor vehicle accident. Following an auto accident, many drivers feel unsure about what steps to take. 

After a traffic accident, it is important to know what to do and what not to do. It is imperative to maintain communication with your insurance provider regarding your collision. This is especially true if you or another driver suffered a traffic injury. 

No matter what the circumstances of the crash may be, you should also contact a skilled accident attorney to ensure that your rights are protected. 

Below, we will examine some of the most important things to avoid when filing a claim for auto accident compensation. Saying or doing the wrong thing can undermine your claim and prevent you from securing the money that you deserve.

What to Do When Filing a Car Insurance Claim

Before we examine the actions and statements that you should avoid, let’s discuss steps that you need to take following a collision.

Some state require that you report the accident with your your insurance agent immediately following your accident, however, if you or a loved one has been injured, you should contact an accident attorney first. You you may be owed financial compensation for your injury and the associated costs and an accident attorney can guide you with the claim process.

Make sure to reread your coverage and policy information carefully before speaking with an insurance adjuster. Specifically, read the sections of your insurance policy entitled “coverage” and “exclusions.”

Maintain notes that detail all of your communication with insurance company adjusters. Collect the following information from any representatives that you speak with:

• Names
• Phone numbers
• Email addresses
• Job titles
• Supervisor’s name
• Topic of communication

When you’re communicating with your insurance company’s representatives, be honest. You should never lie to your insurance provider or anyone else regarding an auto accident.

Failing to be forthcoming can invalidate your insurance claim and prevent you from recovering compensation. 

Collect evidence of the circumstances surrounding your traffic accident. For instance, you can take photos of the accident site, injuries, and vehicular property damage. 

Save any documentation related to expenses from pursuing your insurance claim. This may include receipts or invoices for:

• Necessary lodging
• Purchases related to pursuing your claim
• Expenses related to physical recovery from an auto injury

It is vital to keep track of how much your accident cost you financially. This includes the money you spend pursuing your claim.

What NOT to Do When Filing an Insurance Claim

Accident victims should remember that insurance providers are not operating in the claimants’ best interests. Insurance companies are incentivized to devalue and undermine car accident and injury claims.

Never provide a written or recorded statement to your adjuster without the guidance of a legal representative. There is no legal requirement for you to allow an insurance company to record your statement. If you have questions regarding the legality of this practice in your state, contact an accident attorney.

Do not immediately accept the appraisal provided by your insurance adjuster. Oftentimes, companies will work with contractors or assessment specialists who reliably provide low estimates.

While this helps insurance companies to lower their costs, it could result in an inadequate payment to you. It may be necessary to get an independent assessment of the damages that you have sustained.

A qualified legal professional can help you understand the best way to accurately determine the value of your claim. 

You should never sign a waiver or release without the advice of an attorney. Oftentimes, accident victims feel overwhelmed and pressured to accept inadequate or quick settlements.

Before signing anything, secure the services of a trustworthy car accident lawyer. They will ensure that any settlement from your insurance company accurately reflects your damages and losses.

Do not accept a check from your insurance provider that includes the words “final payment” unless you are absolutely sure that it is a satisfactory settlement amount. 

Remember that payments you receive from your insurance provider may include fine print. It is vital to read and fully understand any document provided by the insurance company.

Many insurance policies specify time limits for filing a claim. It is essential to comply with any time limit requirements so that you receive the money that you are due.

Do not let a tightfisted insurance company push you around. Insurance providers are contractually obligated to cover claimants’ losses following a collision. A skilled lawyer can help you to insist that the company honor its obligations.

Partner with a Qualified Legal Representative

When you need the best legal representation available, use TrafficAccidents.com to match with a skilled accident attorney near you. 

One of our experienced lawyers will help you understand exactly how to handle your car insurance claim. An accident attorney can help you to recover the money that you need to move forward.

Visit TrafficAccidents.com and complete the consultation form or call us to match with an injury lawyer today!