No one wants to think about being in a car accident, but knowing what to do if you are ever faced with an unfortunate situation can help ensure that you receive fair compensation when you are not at fault. The auto accident claims process can be complicated if you are unfamiliar with how to file a claim. Read on to learn more about what to expect.
At the scene of the accident, the first task to complete is to call 911 if there are significant injuries. Otherwise, you can call the police directly to file a report, which you need to complete car accident claims. Be sure to exchange license plate numbers, insurance information, and any other relevant contact information at this time. You should also look for witnesses. Finding fault can be difficult, but witness statements can go a long way in ensuring that your insurance company accepts your claim.
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 accident. It is important to contact your insurance company even if you are not at fault, because your insurance company is required to protect your interests, while the other party’s insurance company is not.
Once your claim is in the field, your insurance company will begin an investigation into the accident. You may be asked to provide photographs if you have them, contact information for witnesses, and a more detailed explanation of the incident. If you were injured in the accident, your insurance company will likely want you to undergo an independent medical examination.
Insurance adjusters must use formulas to calculate the value of your insurance claim. There are many factors that go into the amount 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 you decide to deny, you can choose to appeal your decision or accept it.
The auto accident claims process involves many complicated legal steps that your insurance company must take. Often times, legal assistance can help make the procedure easier for you. 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.
