Tips And Tricks When Interacting With A Claims Adjuster After A Car Accident
If you have recently had a car accident, you will most certainly be in contact with one or more insurance providers. You will need to contact your own auto insurance provider and you will also need to speak with other insurance providers depending on how many motorists are involved in the car accident. How you interact with each of these parties can affect the outcome of your claim.
Filing a Claim with an Insurance Provider
You have a right to file a claim with your insurance provider so you can be reimbursed for any car repair expenses or the insurance provider might compensate the repair shop directly. You may also be entitled to a free car rental and may have your medical expenses paid.
However, it's important that you also speak with an auto accident attorney about whether you are entitled to compensation from the other party. In any case of negligence, the party that is considered at fault is responsible for paying for any damages.
Speaking with the Claims Adjuster
Regardless of which type of insurance provider you are working with they will want to have a conversation to discuss your accident. Make sure to stick to the facts and do not admit fault. Provide them with evidence that the accident occurred. For example, photographs of the damage done to your car can be useful. Explain how the accident occurred. It's important to never assume that an insurance provider has all of the information relevant to your case.
The insurance provider may want you to record a statement. Respectfully decline. This is not required and can only hurt your case. If you are concerned, you can always put a car accident lawyer in charge of all correspondence with an insurance provider.
Avoiding a Claim Denial
An insurance provider is legally obligated to pay for any damages. However, if they can find a justification to deny your claim, they will do so even if they have to stretch the facts. Even if they do approve your claim, they might offer a very small settlement. However, you do not have to accept the settlement offer and can fight for your right to a better settlement.
Filing a Claim On Time
Filing a claim can be very stressful and difficult when you are also focused on recovering from your accident. It's important to know how much time you have to file your claim. Each insurance provider has its own deadlines. Also, you must take into account the statute of limitations of the state in which you reside.
While filing a claim and seeking compensation is very difficult, an attorney can do much of the work for you and will make sure that your legal rights are protected.
For more info, contact a local car accident attorney.