Car accidents, especially those that were not your fault, can be an emotional and painful ordeal. When dealing with insurance companies there are certain do’s and don’ts that you should observe in order to maximize your chances of a fair settlement and to avoid the pitfalls that many accident victims discover.
Do Know Your Coverage
It is imperative for you to review, know, and understand your insurance coverage before speaking with your agent. This information can be found in the Coverage and Exclusion sections of your policy. Consider if any other insurance policies, such as umbrella policies, credit card policies, or homeowner policies cover any damages or injury. Often times, damages will be covered under one or all of these.
Do Have Evidence
When attempting to file a claim, it is important to have as much evidence as possible. After the accident occurs, take pictures of the damage to your vehicle and any injuries sustained on your person. Keep copies of any medical reports as further proof of any injuries.
Do Talk To Your Own Insurance Company
Once you feel prepared to talk with your insurance company, give them a call. Speak honestly with your insurance representative about any injuries, even if they are embarrassing, as well as damage to your vehicle. Take and keep detailed notes of any conversations you have with your insurance representative, including names and contact information. It is also important to keep all receipts for meals, lodging, and purchases made in connection with pursuing your claim or recovering from your injuries. Collect these items beginning immediately after your accident until your final settlement from the insurance company.
Do NOT Give a Recorded or Written Statement
While there are many things you should do when dealing with insurance companies, there are also many things you should not do. As mentioned, it is imperative to understand your insurance coverage. Therefore, if you do not fully understand it do not give any recorded or written statement. Continue this policy by refusing to sign any release or waivers without speaking to a car accident lawyer. Premature settlements generally result in a lower and, generally, unfair claim settlement.
Do Not Ignore Policy Time Limits
Though it is important to not rush and sign anything, it is also important to pay attention to policy time limits. Most policies require a signed proof of loss within a certain time frame, often only one year from the date of the accident.
Insurance companies are legally obligated to provide the coverage they promised. When dealing with insurance companies, it is important to do so in the correct way. If you are fearful or doubtful about dealing with your insurance company, seek the experienced legal counsel of the personal injury lawyers at Bernstein & Poisson in Las Vegas. With years of experience dealing with insurance companies and personal injury cases, the lawyers at Bernstein & Poisson can advise you on your individual case.