Nobody wants to think about being in a car wreck, but knowing what you should do in case you are ever faced with the unfortunate situation can help ensure that you receive just compensation when you are not at fault. The auto accident claims process can be complicated if you are unfamiliar with how to go about filing a claim. Read on to find out more of what you should expect.
At the scene of the accident, the first task that should be completed is calling 911 if there are any significant injuries. If not, you can call the police directly to file a report, which you need in order to complete car accident claims. Make sure to exchange license plate numbers, insurance information and any other pertinent contact information at this time. You should also look for witnesses. Finding fault may be difficult, but witness statements can go a long way in ensuring that your claim is accepted by your insurance company.
You should report your accident to the insurance company within 24 hours, if possible. An adjuster will ask you for a lot of different information, including a brief description of the incident, the severity of the damage and information from anyone else who was involved in the wreck. It is important to contact your insurance company even if you are not at fault, because your carrier is obliged to protect your interests, while the other party’s carrier is not.
Once your claim is field, your insurance company will begin an investigation into the accident. You may be required to provide photos if you have them, contact information for witnesses and a more detailed explanation of the incident. If you were injured in the wreck, your insurance company would likely want to have you undergo an independent medical examination.
Insurance adjusters must use formulas to calculate the value of your insurance claim. There are many factors that play in to how much you could receive in a settlement, including medical expenses and lost wages. If your insurance company decides to accept your claim, you should receive a check in the mail. If they decide to deny, you may choose to appeal their decision or accept it.
The auto accident claims process involves a lot of complicated legal steps that your insurance company must perform. Often, legal assistance can help make the procedure go more smoothly in your favor. If you are confused or think you may need help, it may be a good idea to contact an attorney to handle your specific case.