Each year, there are approximately 6 million car accidents that happen across the country. While the causes of those accidents will always be different, every driver will need to file a car insurance claim to get the damage fixed.
Filing a car insurance claim isn’t difficult, but the process is time-consuming.
Here’s how to file a claim quickly after your accident so you can get the money you need to fix your ride quickly.
Call the Police
No matter how minor the accident is, it’s always best to call the police and let them help you deal with the other driver. They’ll collect statements and can make sure the situation stays calm.
They’ll also supervise the exchange of information between you and the other drivers involved. As a general rule, you’ll want to get their phone number, their insurance information, and make a note of the make, model, and license plate number of their car.
Contact Your Insurance Agent
You’ll need to call your insurance agent to start the claims process. It’s best to do this as soon as you can, even if the accident happened while you were on vacation.
They’ll ask for details about the accident and will tell you what types of documents you need to speed up your claim. Once they have everything they need from you, they’ll send an insurance adjuster out to assess the damage.
Get a Second Opinion
You’re not obligated to accept the settlement offered by the insurance adjuster. Once they give you an estimated settlement, take your car to a mechanic and body shop of your choice and get them to assess the damage.
If it will cost you more to get the damage fixed, you’ll want to contest the settlement. Submit the estimate from the body shop to your insurance company as proof of expenses.
Just make sure not to schedule repairs until you reach an agreement with the insurance company. Otherwise, you may waive your right to contest the settlement.
Get Legal Help If Needed
If you’re injured in a car accident, you’ll want to speak with an experienced car accident attorney to help you get the full amount you deserve from the insurance company.
If your claim isn’t going as smoothly as you thought or the other driver’s insurance company isn’t cooperating, schedule a consultation as soon as possible.
Your attorney will help you determine if you have a case and can make sure you’re prepared to take the next step.
Accept the Settlement
If you’re comfortable with the amount that the insurance company offers you, accept the settlement and schedule repairs for your car.
The insurance company will issue payment and you’ll be able to move on from your car accident.
Struggling with Your Insurance Claim?
Getting injured in a car accident can mean you’re faced with thousands of dollars in medical bills. And getting compensated for those injuries can be a real challenge.
You don’t have to go through it alone. If you need help dealing with a car insurance claim, get to know our team and contact us to schedule a free consultation.
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