Couple watching their car be towed away after an auto accident

Dos and Don’ts of Car Accident Insurance Claims

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If you are in a auto accident it is imperative to contact your car insurance company. Be familiar with your insurance policy so you know the kind of coverage offered. After the car accident, review the areas pertinent to what you should know. After you are done, there are still a number of things you’ll need to do.

Stay Calm

  • Contact your insurance company as soon as you can. The only exception should be in the case of serious injury and you are unable to do so right away. Remember to keep a record of your injuries. If you do not, then your insurance company will assume you were not injured.
  • Call your legal representation; they can guide you through the most important things to do first.
  • Write down the conversations you have with your insurance company. Keep track of names and job titles of the people you talk to.
  • Keep a record of all details possible. Take pictures of the damage, and gather the names and numbers of any witnesses.
  • If you are injured, keep all receipts used for food, lodging, baby-sitting and replacement vehicles used during the time you are filing a car accident insurance claim. This will help to build your case. Even if you are not injured, it is a good idea to keep all of this information.
  • Pay attention to any time limits surrounding your coverage. Be sure to fall within the prescribed time.

Be Thorough

After looking at all the things you should do, there are also a number of things you should not do.

  • Make sure you do not sign a release or waivers. Another reason to have a personal injury lawyer help you navigate all the forms you need to sign.
  • Insurance companies are not required to record telephone conversations, and if you have any doubts about this talk to your lawyer.
  • The insurance companies may base your coverage of what their estimator has said, which actually maybe lower than what you deserve. Thoroughly investigate and consult with your accident lawyer on what coverage you should receive.

Let’s Get to Work

It may prove difficult to understand everything your policy says, or what your car insurance company is telling you. Just remember that you can always turn to your legal advisor. When trying to get the coverage you need, it is important to have an experienced personal injury attorney on your side. Contact Hales & Associates, Attorneys to get started.


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