There are not many things more frightening than a motor vehicle accident. Not only are you concerned about your health and well-being, but you also have to consider the impact of the crash on your future.
After receiving treatment, you’ll turn your attention to two details:
- Filing a car insurance claim
- Learning more about your legal rights for seeking compensation from the at-fault party
While it’s important to do both of these things, many people jump too quickly into the insurance claim process. This causes them to accept less money than what they deserve, thus putting them in a difficult financial position.
Here are five mistakes you need to avoid when making a car insurance claim:
- Don’t immediately accept an estimate of your losses: Your insurance company isn’t in the business of making you happy. Sure, they want to keep you as a customer, but, at the same time, they don’t always offer a fair and reasonable number the first time.
- Don’t provide a written or recorded statement: Doing so could harm your ability to receive the compensation you deserve, as you may say the wrong thing. Don’t provide a statement until you first review your policy and consult with an experienced personal injury attorney.
- Don’t sign anything: This goes along with providing a written or recorded statement. If you sign a waiver or release, you may be giving up some of your legal rights.
- Don’t accept a check for final payment: If you do this, seeking additional compensation will be a challenge. Final means final, so you need to know exactly what you’re doing.
- Don’t give in: You spend a lot of money on car insurance, so you deserve to receive compensation and benefits as outlined in your policy. Your policy is a contract, so your insurance company must live up to the terms and conditions.
There is no shortage of things you need to do after a car accident, with medical treatment your top priority.
As quickly as your health allows, review your insurance policy and decide how to best proceed.
You have legal rights, so make sure you protect them during the claims process.
Browse our website and blog for more information on motor vehicle accidents, your rights and how to file an insurance claim.