Have you or a loved one been injured in a car accident? Do you require assistance in dealing with the insurance companies? This can be one of the most challenging aspects of an accident.
Insurance companies are in the business of making money. They aren’t in the business of always paying a fair amount. This is why you need a qualified attorney on your side.
How an Insurance Claim is Handled
Do you know what happens from the time you report the accident to your insurance company to the time when they determine how much to payout? Many people don’t. But, understanding what the insurance company is doing, as well as how you can help, can ensure that you receive a fair payout.
Once you file your insurance claim, the company will assign a claims adjuster to you. They will then likely contact you or your lawyer to learn more about the car accident. It is important to be careful about what you say here, such as making assumptions because they can use it when determining your payout. If you’re unsure what to say, you can leave it up to your lawyer. The adjuster may also ask for photos or a damage report of your vehicle. They will use this information when deciding how much to issue you.
Ways to Help the Insurance Company
There are things you can do to assist with a car accident investigation. By taking the right steps, you can help the insurance company with the investigation (while helping yourself at the same time). Here is what you should provide:
- Photos of the scene, showing any damage to your vehicle
- Police report
- Contact information of any witnesses who can back up your story
- Copies of medical bills and records
- Photos of your injuries
- Tow receipts or a repair shop estimate
These pieces of evidence help the insurance company determine who was at fault, as well as the severity of your damages. Failing to provide enough evidence can lead to the insurance company denying your claim, or offering you less than what you need. If your insurance claim has already been denied, then you may want to reach out to a lawyer to discuss your options.
Hire a Car Accident Lawyer to Help You
It is easy to believe that an insurance company has your best interest in mind, but this isn’t always the case. Instead, they may want to pay out as little as possible. If you want to guarantee a “fair shake,” don’t hesitate to consult with our law firm. We have many years of experience communicating and negotiating with insurance companies on the behalf of clients.
Severe car accidents can also quickly exceed the compensation that is available through your insurance policy. If this is the case, working with a car accident lawyer is even more important. Your lawyer can help you consider other legal options that may be available to you, as well as identifying who was at fault for the accident.