Proceeding from 8 Do’s & Don’ts of Reporting Car Accidents to Insurers (Pt. 1), here, we’ll continue highlighting what you should and shouldn’t do when dealing with insurance companies for auto accident claims.
More Do’s of Reporting Car Accidents to Insurers
DO provide your insurer with copies of photos/other evidence you have related to the collision – If you were able to do things like take photos of the aftermath of the traffic accident, collect contact/insurance info from other involved drivers, etc., then good job – and be prepared to provide this info (or copies of it) to your insurer when reporting the collision. Providing such info/evidence up front can help facilitate the investigation of your claim, potentially helping you get compensation faster.
- DO keep detailed records of your interactions with/correspondence from insurers – Depending on the nature and severity of your collision, your auto accident claim may take some time (i.e., weeks or months) to resolve. Over this time, you’ll likely receive correspondence from insurers, communicate with them over the phone/email, etc.
To protect your claim and yourself as this process moves towards a resolution, keep copies of everything you receive, and keep a detailed log of your phone conversations with insurers (noting the date, time and duration of calls, as well as who you spoke to and the topic of your conversation). Keeping such details can be invaluable later if insurers try to undervalue or wrongfully deny your claim.
The Don’ts of Reporting Car Accidents to Insurers
Here’s what you should avoid doing when reporting car accidents to insurers:
- DON’T give official statements if you aren’t prepared to do so – When reporting car accidents to insurers, agents may ask that your provide an “official” statement (written or over the phone) regarding the accident. This statement will be recorded and can be used against you later by insurers to try to devalue or completely deny your claim.
So, if an insurance agent asks you to make an official statement and you are not prepared to do this, simply don’t do it. While you can always make an official statement later, you cannot take back a statement already freely given; what’s more, if you end up saying the wrong things in your statement because you simply aren’t prepared, you could end up giving insurers enough leverage to reduce or deny your payout.
For the final Don’t of reporting car accidents to insurers, be sure to check out the upcoming conclusion to this blog series.
Kingston Car Accident Attorney at Charles N. Rock, P.L.L.C.
Have you or someone you love been injured in a car accident or any type of motor vehicle accident? If so, you can turn to Kingston Car Accident Attorney Charles N. Rock for aggressive legal advocacy and effective help obtaining the compensation to which you may be entitled. For nearly 20 years, Charles N. Rock has been dedicated to holding individuals and corporations alike accountable for injuring his clients, and he will work tirelessly to help his clients secure the compensation and justice they deserve.
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