Once you are involved in an accident, you expect the auto insurance policy benefits to kick in. While you may be entitled to remuneration, handling things in the auto insurance claims world isn't always easy. This process involves complex legal issues, so you need to understand the dos and don'ts to avoid mishaps.
Taking the time to know what's required as you file the automobile policy claim will ensure you stay on track and get your compensation. Below are tips to help you protect your rights and get a fair settlement for all the accident damages.
Report the Incident
Legally, you are obligated to report an auto accident to the relevant authorities. This is especially true if the accident led to bodily injury, death, or property damage. The police will show up to ask questions about what happened and then write a report. You will need this report while filing a claim.
Seek Medical Help
In most cases, car accidents lead to severe injuries, including traumatic brain injuries, broken bones, spinal injuries, and so on. Sometimes one may have severe internal organ damage which may not be noticed immediately after the accident.
So, it's crucial to seek medical help after the accident, whether you have visible injuries or not. This is the most reliable way to protect your health after an accident and increase your chances of getting a settlement. If you neglect your health, your insurance company will have issues confirming if you sustained injuries.
Review Your Policy
Before filing an auto insurance claim, it's essential to review your policy. This will help you understand what's covered and what isn't covered before starting the claim procedure. You may call your insurance agent if you need clarification on certain issues to avoid making blunders.
Avoid Speculating or Providing Unreliable Information
Even if you were involved in the accident, you might not know how things happened exactly. For instance, you might have lost consciousness for some minutes, so you might not know the facts. When the insurance agent or police officers ask questions, don't speculate. Just answer the questions honestly and only share the facts you know, not your opinions.
Refrain From Admitting Fault
Whether you suspect that the accident was your fault, you shouldn't admit fault. The process involved in determining liability is complex, and many factors are considered. Allow the investigators and police to handle this task and draw conclusions based on the facts. When you admit fault by yourself, you might not get a fair settlement even if you didn't cause the accident.
For more information, contact a local insurance agency like Mike Pierce Insurance.