It is the worst feeling in the world, getting into a car accident. The confusion, the injuries, the potential liability – it all can be overwhelming. When making car accident claims the process then has to be relived and you have to go through the whole thing over and over. Depending on who you have to talk to, officers, insurance agents, other pedestrians your car accidents claims may have to be made a number of times.
How to Make Car Accident Claims
The first thing you need to do in a car accident is to gather as much information as possible, so assuming you are not hurt, you need pictures of the scene, insurance information, police write-ups, times and dates – anything you think can help in the car insurance accident claims. The more prepared you are to talk to the agent the better off your case will be and the more you can expect for car accident compensation. So here is the list:
Insurance Information (both yours and the other parties)
Pictures of the Accident
Contact information of any eye witnesses
The complete police write-up including any and all tickets issued
Your own personal statement
Here is how you go about making the car accident injury claims if you were hurt or if property was damaged:
1. Call the insurance company of the person at fault to open a claim, (after calling 911 this is the second most important call.)
2. Prepare all your documentation and record phone calls and times of each agent conversation you have.
3. If there is significant damage or the resulting injuries have or will prevent you from working, call a lawyer.
4. Do NOT wait, many insurance companies have limitations on claims, the longer you wait the more it looks like you are trying to cheat the system.
5. Contact a lawyer if you were seriously injured because you may need a form of structured settlement loans to help you pay bills while the case is evaluated.
Car Accident Claims and You
So if your car was damaged and it was not your fault then you will be entitled to a rental car provided at the expense of the at fault parties insurance. Assuming they have it, with many illegal immigrants driving uninsured you may be stuck paying the bill. (But don’t worry, your taxes are paying for them, their medical bills and their children’s education.) The insurance company will typically offer you the least expensive car available, a compact. I am 6’5″ and weigh in at just over 240lbs, when I was rear-ended in my Infiniti, they tried to set me up in a Toyota Tercel. You can fight the insurance company to make sure they replace your car with one of equal size and capability.
Its your car, take it where you want it repaired.
It is FEDERAL LAW that you be allowed to send your car accident claims to any car repair service you wish, do not get suckered into going to one of their preferred providers unless its one you have confidence in. Even your own insurance agent can try to sway you to taking the car to “one of his pals” but when it comes to car insurance accident claims you don’t want to mess around, take it to the dealership and ask where they send their body work to.
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