You have to file an insurance claim if you have been involved in a car accident, and this article will help you raise your awareness and understanding on the claims process. You need to report the incident to your insurance agent or broker, and file an insurance claim with your insurance company as soon as possible after the car accident, most especially if it resulted to serious physical injuries and property damage regardless of who is at fault. Ideally, car accidents must be reported within seven days to the insurance company because failure to follow the proper notification may deny the claim, as there are also statute of limitations that may apply when it comes filing a claim.
When you call your insurance agent or insurance company, be prepared to supply basic information and as much information as possible such as the name insurance policy number, the details of the vehicle (model, make, registration, and license plate number), and details of the accident (time, date, location, the other driver’s name and license numbers, extent of injuries, number of passengers involved, extent of vehicle damage, identification numbers and license plates of other vehicles involved, and description of the accident). It is easier to file a claim if you know your coverage as well as your responsibilities, but if you are injured and need help, a personal injury lawyer can help. A claim’s adjuster will contact you via telephone or meet with you once the claim has been reported, and you will be required to complete a claim or Proof of Loss form to support your claim. In terms of knowing the coverage of your insurance policy, your claim adjuster can explain the full details of your insurance coverage, but having a car accident lawyer gives you confidence and assurance that you will receive the maximum compensation you deserve for your claim. A car accident lawyer can help you get a higher amount of compensation since insurance companies tend to underestimate damages.
Your insurance company would need to determine who is the one at fault in the auto accident so they can assess the property damage and injuries sustained. After reporting the car accident to the insurer, the insurance company investigates the circumstances of the auto accident and will make a decision of who is at fault based on the Fault Determination Rules. The role of a personal injury lawyer is very important in any claims process, most especially if the insurance company seems trying to get away with its responsibilities or denying your claim. Get an initial free legal consultation about your personal injury claim by visiting our website or homepage now. A personal injury lawyer is always available to explain your rights and protect your best interest.