Automobile accidents can occur at any time and when you least expect them. There are many reasons why crashes occur; a driver is going too fast, texting and driving, road conditions, other drivers make a mistake causing them to make a mistake, animals crossing the road, mother nature, and more.
Being involved in an automobile accident will not only become emotionally stressful but also any physical injuries and discomfort will also play a role in your healing process moving forward. It’s also important to consider all the medical expenses associated in even a little fender bender. You have the cost of fixing your vehicle or the difference that your insurance will not cover, raised insurance premiums caused by the accident, time off of work, paying someone to drive you around while your vehicle is getting fixed or out of pocket expenses for a rental, and any medical expenses you may have.
Tips For Dealing With The Insurance Company
People are concerned that when they need an insurance company, they are not going to be there when it matters the most. While there are horror stories out there, you can decrease your chances of becoming a victim of a bad insurance company by following these tips:
When you sign a contract with an insurance company, they are bound to follow the terms and conditions just as you are too. If you are in an accident, the terms and conditions of that contract are what you can depend on. Keep a copy of that policy in easy reach at all times so you know what to expect if you are in an accident.
It’s important that you or your personal injury lawyer in Garden Grove contact your insurance company as soon as an accident happens. The sooner you contact them, the sooner they can begin filing your claim, investigating, and ultimately issuing payment as soon as possible. You need to report the accident and tell your side of the story as soon as the accident happens; don’t wait until the other driver does it or assume that they will.
You will want to document every single detail. As soon as an accident occurs, you will want to get a notebook and begin writing down your version of what happened while its fresh on your mind. Also keep track of receipts, documents, reports, and write down names and numbers of witnesses
Never provide your social security number or agree to any terms with the other driver prior to contacting your insurance company. Since your medical bills and records associated with the accident belong to you, take responsibility and turn them into the other driver’s insurance company in order to ensure they get the right documents.
Don’t settle with an adjuster. It’s important that you know how much you are getting and how they come up with that amount.
If you have any issues, you can file a complaint with your state insurance department. Sometimes insurance companies and private pay can be hard to work with. You don’t have to settle for anything. Ensure that whatever is taking place following an accident is fair to all parties involved.