Dealing with Your Car Insurance Company in an Accident
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For most people, insurance is an important thing that's carried specifically for times of trouble. Unfortunately, using your car insurance company doesn't always seem like the easiest thing in the world.
Auto insurance companies can be notoriously difficult to deal with, but if you are vigilant, you can come away from the process with a resolution that makes sense. Here are some steps for dealing successfully with your auto insurance company.
Making the phone call
One of the most important things is getting on the horn to the insurance company right away. Many people will delay in calling their company, but it truly is the most important thing after an accident. For people who have not suffered an injury, it is wise to call as soon as you get home. For those with injuries, it's smart to call after you get medical attention as necessary. When you make the call, be careful not to say anything incriminating. Likewise, take specific notes on how the conversation went, who you spoke to, their position, and what was said. You have certain rights in this situation, and contacting an attorney is a smart move prior to saying anything.
Gathering information of your own
It's important that you are honest with the insurance company, and this is much easier when you get solid information. Take pictures at the scene and note all damage. Even if you have to do so with a camera phone, it is better than having no visual record. This will help to keep the facts straight when questions start flying later in the process.
Exploring your options
For most people, the process is a complicated one. You likely have one or more policies that might apply and you could have other warranties that help pay for damage. See if your umbrella package will cover a claim. Exhaust all available options so that you are certain to get the best possible deal.
Settling a claim and getting credit for all expenses
If you want to positively settle your claim, then you will need good notes on all of your expenses. This includes cost estimates, rental car costs, and every other cost associated with the damage. When you have all of this, you will be able to start the settlement process. The insurance company will send out investigators and adjusters. They will conduct interviews. You may have to stay on top of them in order to get your claim settled appropriately. If you are diligent in your approach, though, the process can be a positive one.
ABOUT THE AUTHOR: Mack Babcock, Esq.
Founder of the Babcock Law Firm, Mack Babcock has a diverse legal background coupled with a strong dedication to obtaining justice for his clients.
Mack belongs to several legal associations including the Colorado and Denver Bar Associations, the Colorado Trial Lawyers Association, the Workers' Compensation Educational Association and the Colorado Professionals in Workers' Compensation. He is also included on Super Lawyers' 2010 list of “Rising Stars” in Colorado.
Mack is also a husband and proud father of two young children. When he's not with his family or vigorously fighting for the rights of clients as a workers' compensation attorney, you will probably find him swimming at the pool or running and biking along Colorado's scenic roads. He has competed in several marathons, road races and triathlons, including several half and full distance Ironman triathlons.
Copyright The Babcock Law Firm, LLC
More information about The Babcock Law Firm, LLC
Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. For specific technical or legal advice on the information provided and related topics, please contact the author.
Making the phone call
One of the most important things is getting on the horn to the insurance company right away. Many people will delay in calling their company, but it truly is the most important thing after an accident. For people who have not suffered an injury, it is wise to call as soon as you get home. For those with injuries, it's smart to call after you get medical attention as necessary. When you make the call, be careful not to say anything incriminating. Likewise, take specific notes on how the conversation went, who you spoke to, their position, and what was said. You have certain rights in this situation, and contacting an attorney is a smart move prior to saying anything.
Gathering information of your own
It's important that you are honest with the insurance company, and this is much easier when you get solid information. Take pictures at the scene and note all damage. Even if you have to do so with a camera phone, it is better than having no visual record. This will help to keep the facts straight when questions start flying later in the process.
Exploring your options
For most people, the process is a complicated one. You likely have one or more policies that might apply and you could have other warranties that help pay for damage. See if your umbrella package will cover a claim. Exhaust all available options so that you are certain to get the best possible deal.
Settling a claim and getting credit for all expenses
If you want to positively settle your claim, then you will need good notes on all of your expenses. This includes cost estimates, rental car costs, and every other cost associated with the damage. When you have all of this, you will be able to start the settlement process. The insurance company will send out investigators and adjusters. They will conduct interviews. You may have to stay on top of them in order to get your claim settled appropriately. If you are diligent in your approach, though, the process can be a positive one.
ABOUT THE AUTHOR: Mack Babcock, Esq.
Founder of the Babcock Law Firm, Mack Babcock has a diverse legal background coupled with a strong dedication to obtaining justice for his clients.
Mack belongs to several legal associations including the Colorado and Denver Bar Associations, the Colorado Trial Lawyers Association, the Workers' Compensation Educational Association and the Colorado Professionals in Workers' Compensation. He is also included on Super Lawyers' 2010 list of “Rising Stars” in Colorado.
Mack is also a husband and proud father of two young children. When he's not with his family or vigorously fighting for the rights of clients as a workers' compensation attorney, you will probably find him swimming at the pool or running and biking along Colorado's scenic roads. He has competed in several marathons, road races and triathlons, including several half and full distance Ironman triathlons.
Copyright The Babcock Law Firm, LLC
More information about The Babcock Law Firm, LLC
View all articles published by The Babcock Law Firm, LLC
Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. For specific technical or legal advice on the information provided and related topics, please contact the author.
