If you’re injured in a motor vehicle accident, you’ll eventually contact your agent to file a claim. It’s your hope that you can do this right away, but that’s dependent on the severity of the accident and your injuries.
Filing a car insurance claim is never as simple as it sounds, as you’ll soon come to find that your agent isn’t on your side. Even if they’re helpful, they’ll always do what’s in the best interest of their company’s finances.
When filing a car insurance claim, there are many steps you can take to bring stability to the process and protect your legal rights. Here’s what you should do:
- Don’t wait too long: Again, this depends on your injuries, but do your best to contact your agent as quickly as possible. If you’re seriously injured, you can ask a family member to call your agent on your behalf.
- Review your policy: When you understand the terms and conditions of your policy, it’s less likely that your agent will take advantage of you. You pay for coverage, so don’t let your insurance company shortchange you.
- Collect evidence: In addition to a copy of the police report, take photos of the accident scene, damage to your vehicle and your injuries. The more evidence you collect, the easier it is to prove that you weren’t at fault.
- Don’t let your agent force you into talking: If you’re not comfortable talking about the accident or answering a particular question, tell your agent just that. You are under no obligation just yet to give a recorded or written statement.
- Keep good records: This starts with detailed notes of every conversation you have with your agent. Also, keep records of all expenses associated with your accident, such as medical bills.
These are the types of steps you can take to protect your legal rights when filing a car insurance claim. Furthermore, the right process will put your mind at ease, and that’s exactly what you need during this challenging time.
Don’t let anyone take advantage of you after a motor vehicle accident. Your life has changed, but there are steps you can take to protect yourself and get back to normal soon enough.