Making a car insurance claim after an accident is easier said than done. This is particularly true if you have other things on your mind, such as treating a serious injury.
It's a mistake to assume that your car insurance agent is on your side. If you put all your trust in this person, you may end up disappointed with the process and the compensation you receive for your injuries and related damages.
Here are five tips to follow when making a car insurance claim:
- Review your policy: The first thing you should do is review your policy to better understand the type of coverage that you have. With this knowledge, there's less chance of making a mistake or letting your insurance company push you around.
- Contact your agent: Don't delay in contacting your agent to file a claim. If you're unable to do so as the result of a serious injury, ask a loved one to assist you.
- Keep detailed notes: Every conversation you have with your insurance company is an important one. Take notes detailing all conversations, including what was discussed, the person you spoke with, the date and the time.
- Collect evidence: For example, if you're able to do so it never hurts to take photos of the accident scene. This should include the scene itself, damage to your vehicle and your injuries. It only takes a few seconds to snap a handful of photos.
- Keep all receipts: Keep receipts for any expense related to your accident. This can include but is not limited to medical bills, meals and lodging. You'll want to seek compensation for these expenses in the future.
As you're following these tips, keep in mind that your insurance company is not on your side. They want to settle your claim for as little money as possible, so you need to beware of your legal rights in Louisiana and how to protect them.
Don't hesitate to consult with a legal professional during this difficult time. This allows you to focus on your recovery, while they look into the many ways to obtain the compensation you deserve.
Visit our website for more advice on the steps to take after a motor vehicle accident.