Taking Control of Your Car or Motorcycle Accident Insurance

One of the most difficult aspects of recovering from a car or motorcycle accident can sometimes be claiming compensation from an insurance company. It is stressful, time-consuming and usually frustrating. It would probably be a good idea contact a car accident lawyer to find out something about the process beforehand so that you know what to expect if it happens to you, and to make the most of your claim.

Rushing your claim can often work to your disadvantage. Without a clear and complete understanding of every aspect of your coverage, accepting a settlement for the sake of resolving the matter quickly may mean you are shortchanging yourself. By taking the time to see the matter through carefully and competently you can help to protect your rights and interests.

Here’s how an auto accident insurance claim should go:

  1. Immediately after the accident, contact your insurer and give him the facts of your accident.
  2. Make records of everything, and keep your documentation in one folder for easy access. This includes police reports, receipts, estimates for property damage, medical and hospital bills in case of injury, and all other expenses pertaining to the accident. Include loss of income due to missed work.
  3. Get a valuation for your car and/or cost of repairs. Use this as a basis of comparison to the proposed value provided by your insurer to see if you are getting a fair deal. If there is a discrepancy between the two values, you will have a basis for your counter proposal.
  4. Have an auto accident insurance lawyer go over your policy to find out what you should be getting when the time comes so you can negotiate intelligently with your insurer.
  5. Let the claims adjuster know that you have done your homework so that he or she will deal fairly with you. Keep in mind that the adjuster works for your insurer, not you. It is their duty to look after the insurer’s best interest, which is to keep your claim as low as you will allow. Don’t be afraid to push for what you are entitled to.
  6. Carefully review any settlement that is offered you, preferably with an auto accident insurance claims lawyer. If you think the settlement is too low, negotiate for a higher amount. Adjusters usually have some leeway when it comes to negotiating.

Don’t be afraid to take control of your auto accident insurance claim. Ignorance can cost you a fair settlement, so educate yourself.

read more