Contact Your Insurance Company Immediately

Immediately after your accident, make sure that you contact your insurance company.  Most insurance companies have a toll-free 1-800 number that can be called at any time of the day or night.  These companies also sometime dispatch vehicles to your crash scene to make sure that you get all the information taken down and have the help that you need after the crash.

If your insurance company doesn’t have a number to call, at least make sure to call your insurance agent as soon as possible.  Inform them that you have been in a wreck and tell them your side of the story honestly and frankly.

Take Pictures and Keep Records

Either soon after or just before you call the insurance company, if it’s possible take pictures of the accident scene.  After the accident, make sure that you keep all the paperwork that pertains to the accident.  This includes any police reports, hospital records, rental car receipts, or anything else that might be compensated by your insurance company.  Too much information is always better than not having the one right piece that you need and facing a reduced settlement because of it.

Visit the Hospital if You Are Injured

If you think that you might be injured in the accident, make sure that you visit the hospital as soon after the accident as possible.  As with all the other paperwork you receive that relates to the crash, make sure that you keep a copy of it for your records as well as what doctors you saw.  Always follow all of your doctor’s advice and make sure that you aren’t violating any of your doctor’s orders.  If you’re healthy enough to stop your treatment or to play in the company softball game, it casts doubt on whether you were really injured in the first place.

Know the Ins and Outs of Your Insurance Policy

Make sure that you make yourself intimately familiar with your insurance policy soon after the wreck.  Know what’s included in your coverage and what’s not and what you are legally entitled to.  Remember , you’re paying the insurance company for this coverage, so they’re legally required to compensate you for everything that’s listed in your policy when you file your auto accident insurance claim.

Tell the Truth and Be Honest

Finally, when you’re filing your claim, make sure that you tell the truth and are honest.  Resist the urge to play up your injuries or make things appear worse than they already are.  If you treat insurance adjusters with a level of respect, odds are they will treat you with respect as well and if they don’t suspect you to be lying they most likely won’t go over every detail of your case with a fine toothed comb.  It will ensure that all your auto accident settlement negotiations go more smoothly.

However, you can always hire a lawyer as a recourse to make sure that your rights are protected if you do end up getting an insurance agent that is difficult to deal with or won’t compensate you for the injuries and property damage you sustained.

What You Should Do as Soon As Possible

As soon as possible, make sure that you contact your insurance company and inform them of the crash.  Also make sure to record any details of the crash that you can.  This includes both writing down details and taking pictures as the scene of the accident if you are able to.  If you feel injured, make sure that you head to a hospital or doctors office right away to get checked out and keep the receipt.  Also make sure to keep a copy of the police report from the accident.  Also make sure you write down the the contact information of any witnesses to the accident, especially if they can prove there was no driver alert at the wheel of the other car.  Finally, whatever you do, never ever admit any liability in the accident whatever you do.  If you admit guilt, you’ll more than likely be given fault for the accident. Not only will this preclude any settlements that you can claim, it will also prevent you from being able to save money on car insurance in the future. The more you do at the scene of the accident, the easier it will be to get the compensation from the car accident you deserve.

Property Damage in a Car Accident Claim

If you were driving, its most likely that you have sustained at least some degree of property damage to your car.  To ensure that all the damages to your car are properly paid for and repaired, you need to take the following steps:

1. Keep all receipts related to towing and storage
2. Get two estimates of the cost of the damages to your car
3. If it’s possible, take your car to a certified dealer from the insurance company you are dealing with
4. Talk to the insurance company about obtaining a rental car
5. When the damages are repaired, keep the receipt and send it to your insurance company.

Dealing with Cases of Bodily Injury

For cases dealing with bodily injury claims, make sure you keep all your records relating to any hospital or doctor’s visits related to the accident.  Also make sure that you sign a medical release to the insurance company can view your medical records to review them for their purposes.  If you’ve sustained any kind of serious injury, you should strongly consider hiring a lawyer.  The lawyer will better be able to represent your case, make sure you submit paperwork correctly, and make sure that you are properly rewarded for the time that you spent injured.

Filing a car accident claim is not incredibly difficult on the surface, but you must be sure to get it right.  Any oversights or mistakes that you make, especially in larger cases, can be pounced on by the insurance company to undermine your case.  Make sure that you get your claim right!

At The Scene of the Accident

When you are at the scene of the accident and after you have made sure that everyone involved is safe and not seriously injured, make sure to take a few pictures of the accident. They don’t have to be perfect and the camera on your phone will most likely to more than enough. This will help document the damages to your property and also if your car is in particularly bad shape, can be used at a trial as evidence if the need should arise.  Every piece of evidence you collect will many any insurance settlement you try to reach later much easier.   Call both the police and the insurance company.

When the police arrive make sure to get a copy of the accident report and keep it in a safe place. It should show who is at fault for the accident. If you feel that you may be injured in any way, shape, or form, make sure that you inform the officers and immediately get treatment for it. You may be able to ride in an ambulance or you may need to drive yourself to a doctor’s office or emergency room.

After the Accident

If you did sustain bodily injuries, it is just as important to keep records of all the medical treatments that you receive afterward as it was at the scene of the accident. Keep track of both the time you spent in the doctor’s office and the time you spent traveling to and from the office. If you missed work as a result of your injury, also make sure to keep track of your lost pay stubs as well.

If your car needs repaired, the easiest option is to take it to a dealer certified by the insurance company, if they have them. The parts that they repair will be certified. If this isn’t an option, take the car to your mechanic, you should be able to choose, and then have the car inspected again by a different mechanic after the repairs are made. This will ensure that none of the parts are repaired improperly and if they fall apart a few days after the accident, you won’t be liable for the repair costs.

Recap: The Six Tips to Filing a Car Accident Injury Claim

1. Take pictures of the scene of the accident
2. Make sure the police and your insurance company are informed
3. Immediately seek treatment
4. Keep records of all documentation dealing with the crash
5. Take your car to a certified repair shop
6. Have your car double checked at another shop once it is repaired

Attorney or No Attorney?

The first major decision that you will have to make when dealing with car accident claims is whether or not to hire an attorney to work on your behalf.  This will many times depend on the size of your case and the cost of the lawyer.  If your case is complicated or involves a large settlement amount, it will most likely be worth your money to hire an attorney to litigate the case and negotiate with the insurance company on your behalf.  However, if your case is fairly straightforward and easy to understand or involves a fairly small settlement amount, it may not be worth the money to hire an attorney.  Whatever you can in the settlement from having the attorney negotiate for you will most likely be offset by the attorney’s fees.

There are several things that an attorney will do for you during an auto accident injury settlement.  They will take care of gathering all the necessary information and submitting it to the insurance company.  They can also more accurately determine the amount of pain and suffering damages you can ask for and also are aware of all the rules that are designed to protect your rights in the case.  Attorneys may also know several people in the insurance company you’re dealing with, increasing the odds of a settlement in your favor.  Finally, and most importantly, attorneys have lots of experience with insurance negotiations.  This experience will let them negotiate harder and will ensure that you will mostly likely get more money in any settlement than you would if you negotiated for yourself.

You will have to weigh the pros and cons of hiring a lawyer on a case by case basis.

Filing an Auto Accident Insurance Claim

Before you get to the settlement phase of any negotiation, you must first file an insurance claim after the auto accident.  What you do in this step and how thorough you are with the information you collect will directly affect how much money you will be able to receive in any settlement.

First, immediately after a crash make sure you take pictures of the accident and the surrounding area.  Make sure you keep these backed up and private as an ace up your sleeve to use in any negotiations with the insurance company.  Also get a copy of the police report and any tickets that assign blame for the crash.  Finally, think you may be injured in any way make sure you visit the emergency room.  Whether or not you seek care from a professional is how insurance companies determine if you were injured or not.  If you do not seek care immediately they can make a case that the injury was caused by something other than the car crash.

If you need continuing treatment for any injuries sustained in the crash make sure that you keep copies of all of your medical records.  Also keep records of any lost wages from work and time and money spent traveling to and from the treatment facility.  All of this documentation will come in handy during negotiations.

If your car was damaged in the crash, make sure you take it to a body shop that you trust and that you keep all records of what was repaired.  Some insurance companies have certified body shops that you can take your car to so that in the event the repaired part fails you are covered.  If you decide to go to a different body shop, it would be wise to have a second shop double check your car to make sure it is repaired correctly.

Negotiating Auto Accident Settlements

If you have done the steps above and kept thorough records of everything dealing with your crash, you will be in a much better position to negotiate your settlement with the insurance company.  Remember that an insurance settlement is really a negotiation between you and the insurance company.  You and the insurance company are essentially deciding on the price that it will take to keep you from taking your case to court.  The negotiation strategies that are used in business, politics, and other arenas will work here, so if you are an experienced negotiator, you will have an advantages over other when it comes to this stage.

The first thing you should do before heading over to meet with the insurance company is to determine a range that you think is acceptable to you to settle the claim.  This is your “win set”.  The insurance company will have made one of these up as well, and it will undoubtedly be lower than yours.  In general, your goal should be to move the insurance adjuster’s win set so that it is inside yours and you get the greatest possible settlement.  The insurance adjuster will be trying to do this as well, but to get your to agree to the least possible settlement.  There are various tactics you can both use.

Remember in automobile accident settlements you are selling to the insurance company your rights to take them to court over the auto accident you suffered.  Any information that you can present that would strengthen your case in the eyes of a jury and cause them to reward you more money will strengthen your bargaining position and usually cause the adjuster to bump up his price.  This can include photos of your crushed car, evidence that the other party was under the influence, and other factors.  Having all your paperwork in order also strengthens you position because there are less holes that the insurance company can poke into your argument over technicalities.  When negotiating, always have the insurance company make the first Finally, hiring a lawyer also strengthens your position.  Not only is the lawyer more experience at negotiations, hiring a lawyer also sends a message that you are not afraid of taking the case to trial if the settlement offered by the insurance company is not adequate.

The insurance company will also have several tricks that they will use to make your car accident compensation lower.  The first is the long amount of time you must usually wait to receive any money.  This is not always the case, but companies are aware that most people will need the money from their settlement to pay off medical bills and make up for lost wages.  By making you jump through more hoops during the settlement process and delaying their actions, they make you more and more desperate for money and more likely to accept any settlement they offer.  They will also attempt to cast any doubt they can on your claims if you do not have the adequate paperwork.  This is why it is very important to collect the right paperwork during all the different phases of your accident and settlement.

Auto Accident Settlement cases can be very difficult for the average person to deal with, and the inexpensive car insurance companies most people have can be the most difficult because they need to keep premiums down.  If you are having trouble dealing with the insurance company and aren’t sure if you’re getting the right amount for your claim, make sure to contact a lawyer and seek professional legal advice.