What is the Insurance Claims Process Like Following an Auto Accident?

A car accident has the potential to harm you both financially and physically. Even minor fender-benders are inconvenient. Knowing what you need to do in case you have an accident is key to protecting your legal rights and financial position.

The Role of the Claims Adjustor

According to The Balance, it is important to call the claims department as soon as you have an accident so they can start working on your case. When possible, you should call from the scene of the accident, unless you are injured and en route to the hospital.

Once you call the claims department, a claims adjustor will be assigned to you. They will ask you for detailed information about the car accident. They may ask you for information about the other drivers. It is common for them to want your side of the story, so it is important to call as soon as possible, according to DMV.org. Calling the police so you can get an official accident report is a good idea too.

Any information you can provide the adjustor related to the damage sustained by your car or any injuries sustained will help to speed up your payment. Sharing accident photos taken at the scene of the accident that verifies physical injuries and property damage will help the company representative determine value.

Even though the claims adjuster is there to help you get your check, it is important to remember that they represent the insurance company’s interests. Depending on the insurance company and your policy terms, you may or may not receive a fair amount to repair your car and cover your related expenses such as car repairs, lost wages, medical expenses, and transportation costs related to getting medical care.

When to Consider Using an Attorney

Remember, the first offer the adjuster makes could be low. You do not have to accept that offer. If you feel like the company is trying to save money by not paying you for your expenses as required in your policy, then you might need to hire an insurance lawyer to represent you. In high-dollar claims, it makes sense to discuss your situation with an attorney who specializes in working with car accident cases.

Claims Payout

As soon as your claims adjuster has time to investigate the accident, they will make you an offer to take care of the expenses. Typically, it happens quickly. Upside Insurance says they may require you to go to a certain mechanic for the repairs to be covered. You have to carefully read the instructions provided by the insurance company before deciding whether to accept the payment.

Conclusion

Getting into an accident is a stressful event. It is easy to forget about important insurance procedures that can jeopardize your ability to get a fair payment. For that reason, it is always a good idea to review your insurance policy on a regular basis to be sure you know what to do in the event you are involved in an accident.