A motor vehicle crash brings on a whirlwind of activities: contacting police, communicating with the other driver, assessing injuries and property damage and collecting evidence, to name a few.
There are also many things to do after a car crash, such as coordinating vehicle repairs, finding and following an appropriate course of medical treatment and communicating with insurance companies. With so many competing tasks, it may be difficult to keep them all straight. These tips can help make dealing with insurance adjusters a little easier.
1. Report the accident right away
Whether you are dealing primarily with your own insurance company or the other driver’s company, it is important to report the crash as soon as possible. Insurance claims take time to process. Most insurance policies have specific time limits for you to notify them after an accident. If you wait too long, you risk the insurer denying your claim.
2. Do not sign anything without a thorough review
This is good advice in general, but it is particularly important after a car accident. You may feel frazzled in the aftermath of the crash, but never sign a document from an insurer without reading it carefully. Ask questions and seek advice if necessary. Be especially careful about medical releases, release-of-claim forms and full or partial settlement offers.
3. Hold off on giving recorded statements
Insurance adjusters request recorded statements in nearly all auto accident claims. While you have nothing to hide and want to cooperate with the adjuster, it is important to understand that the insurer could use anything in your statement as grounds to deny your claim.
The aftermath of an accident is often stressful and confusing. Stay focused and keep your wits, especially when dealing with insurance companies.